Savings

Minimum Balance

Dividend Rate

APY*

Term

Champion Checking

$300.00

0.20

0.2002

n/a

Regular Share Savings

$5.00

0.50

0.5009

n/a

CD Saver's Club

$5.00

0.50

0.5009

n/a

Christmas Club

$5.00

0.50

0.5009

n/a

Sandi the Starfish Kids Club

$5.00

0.50

0.5009

n/a

Vacation Club

$5.00

0.50

0.5009

n/a

Platinum Plus Money Market Account $0 - $2,499

x

0.25

0.2503

n/a

Platinum Plus Money Market Account $2,500 - $9,999

x

0.50

0.5012

n/a

Platinum Plus Money Market $10,000+

x

0.75

0.7528

n/a

Fixed Rate IRA (Individual Retirement Account)

x

1.50

1.5085

12

Variable Rate IRA (Individual Retirement Account)

x

1.50

1.5085

n/a

* APY = Annual Percentage Yield  07/22/2010