Common Shares                                     
Balances up to $5,000.00             
Balances $5,000 and over           

Share Certificates
$500 minimum balance                  
6 Month Term                             
12 Month Term                            
18 Month Term                         

IRA Shares                                

IRA Share Certificates
$500 minimum balance
6 Month Term                             
12 Month Term                           
18 Month Term