Dividend rates as of 2nd Quarter 2008

Share Account Type Rate Type Minimum Opening Balance Minimum Earning Balance  Dividend Rate Annual Percentage Yield Tools Savings Accounts Regular Share Savings Variable $1.00 $500 .15% .15% Regular Share Savings Variable $1.00 $1,000 .25% .25% Regular Share Savings Variable $1.00 $2,500 .35% .35% Regular Share Savings Variable $1.00 $5,000 .55% .55% Holiday Club  Variable $1.00 $500 .05% .05% Vacation Club Variable $1.00 $500 .05% .05% Higher Earning Accounts Money Market Variable $2,500 $2,500 1.20% 1.21% Money Market Variable $2,500 $10,000 1.30% 1.31% Money Market Variable $2,500 $25,000 1.40% 1.41% Money Market Variable $2,500 $50,000 1.50% 1.51% IRA Savings Variable $0.00 $0.01 .55% .55% IRA Savings Variable $0.00 $1,000 .75% .75% IRA Savings Variable $0.00 $2,500 .95% .95% IRA Savings Variable $0.00 $5,000 1.15% 1.16% Share Draft Accounts Members Premium Checking  Variable $100 $1,000 .05% .05% Members Choice Checking  Variable $100 $1,000 .05% .05% Members Free Checking  Variable $100 $1,000 .05% .05%

Accounts for children under 18 will earn dividends of 0.10% APY for balances under $500.00; thereafter, the tiered dividend structure will be followed. Dividends on share accounts are determined by the Board of Directors at the end of each quarter after taking into account income and available earnings after required transfers to reserves. Dividends are earned on the daily share balance, and the share account must remain open through the end of the dividend period. Dividend rates for future periods are not guaranteed. APY=Annual Percentage Yield.       PLEASE CALL (601) 922-3350 TO OBTAIN THE MOST CURRENT RATE INFORMATION.

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