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The following rates are effective on September 1, 2010, and subject to change without notice. For updated information, inquire at any branch office or contact 301-249-1800.

Savings ServicesCalculators
Type of Account	Minimum Opening Balance	Dividend Rate	APY (Annual Percentage Yield)
Prime Savings	$5.00	0.15%	0.15%
Holiday Club	N/A	0.15%	0.15%
Sub-Savings	N/A	0.15%	0.15%
Dividends Compounded: Monthly. Dividends Credited: Monthly. Minimum Balance For Dividends: $0.01. Balance Method: Average Daily Balance. Limitations: Refer to Member Services Agreement. Fees: Refer to Schedule Of Fees.*

Health Savings Services¹Open Account Online
Average Daily Balance	Dividend Rate	APY (Annual Percentage Yield)
$0 - $2,499.99	0.30%	0.30%
$2,500 - $9,999.99	0.30%	0.30%
$10,000 - $24,999.99	0.40%	0.40%
$25,000 - $49,999.99	1.00%	1.00%
$50,000 - $99,999.99	1.09%	1.10%
$100,000+	1.19%	1.20%
Dividends Compounded: Monthly. Dividends Credited: Monthly. Minimum Balance For Dividends: $0.01. Balance Method: Average Daily Balance. Limitations: Refer to Member Services Agreement. Fees: Refer to Schedule Of Fees.* ¹Eligibility requirements apply.

Checking Services
Type of Account	Minimum Opening Balance	Dividend Rate	APY (Annual Percentage Yield)
VIPS Checking	N/A	0.07%	0.07%
Classic Checking	N/A	N/A	N/A
eChecking ¹	N/A	N/A	N/A
Free with Direct Deposit Checking	N/A	N/A	N/A
Student Checking	N/A	N/A	N/A
Dividends Compounded: Monthly. Dividends Credited: Monthly. Minimum Balance For Dividends: $0.01(VIPS Checking) Balance Method: Average Daily Balance. Limitations: Refer to Member Services Agreement. Fees: Refer to Schedule Of Fees.* ¹eChecking requires enrollment in eBranch, Online Bill Pay and eStatements. Must pay minimum of three(3) bills per month using Online Bill Pay, otherwise a fee applies. If you elect to receive paper statements, a $5 fee applies. Personal accounts only. ²No maintenance fee with a recurring monthly direct deposit. $5.00 monthly maintenance fee without direct deposit (waived the first two months).

Money Market IRA/ESA ServicesOpen Account Online
Type of Account	Minimum Opening Balance	Average Daily Balance	Dividend Rate	APY (Annual Percentage Yield)
Premier Money Market (PMMA )	$10,000	$10,000	0.35%	0.35%
Premier Advantage Money Market (PAMMA)	$25,000	$0-$49,999.99	0.15%	0.15%
Premier Advantage Money Market (PAMMA)	$25,000	$50,000 - $99,999.99	0.50%	0.50%
Premier Advantage Money Market (PAMMA)	$25,000	$100,000 and up	0.60%	0.60%
Premier Plus Money Market (PPMMA)	$40,000	$40,000	0.40%	0.40%
Education Savings	$5.00	$0.01	0.15%	0.15%
Dividends Compounded: Monthly. Dividends Credited: Monthly. Minimum Balance For Dividends: $10,000 (PMMA); $0 (PAMMA); $40,000 (PPMMA); $0.01 (Education Savings). Balance Method: Average Daily Balance. Limitations: No minimum needs to be maintained in PAMMA after initial opening amount. Refer to Member Services Agreement.* Fees: If Average Daily Balance calculated at the end of the month for the PAMMA is below $25,000, then a $10 fee is assessed. Refer to Schedule Of Fees.**

* Accounts closed before the end of the dividend period will not receive accrued dividends.
** Fees could reduce earnings.
All rates, terms, and availability are subject to change or withdrawal without notice at the discretion of the board of directors.

The checking and savings accounts listed above are variable rate accounts. Variable rate means that the dividend rate and APY on the account may change after the account is opened.