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REGULAR SHARES (SAVINGS)           0.35%       0.35% A.P.Y.

MONEY MARKET SHARES
Balance $1000 - 2499.99                    .40%             .40% A.P.Y.
Balance $2500 - 9999.99                   .45%             .45% A.P.Y.
Balance $10000 - 24999.99                .50%             .50% A.P.Y.
Balance over 25000.00                       .55 %            .55% A.P.Y.

IRA SAVINGS                               .40%            .40% A.P.Y.

SANTA'S HELPER                             0.25%            0.25% A.P.Y.