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The following rates are effective on November 1, 2009, 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	APY (Annual Percentage Yield)	Dividend Rate
Prime Savings	$5.00	0.50%	0.50%
Holiday Club	N/A	0.50%	0.50%
Sub-Savings	N/A	0.50%	0.50%
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	APY (Annual Percentage Yield)	Dividend Rate
$0 - $2,499.99	0.40%	0.40%
$2,500 - $9,999.99	0.40%	0.40%
$10,000 - $24,999.99	0.60%	0.60%
$25,000 - $49,999.99	1.40%	1.39%
$50,000 - $99,999.99	1.50%	1.49%
$100,000+	1.60%	1.59%
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	APY (Annual Percentage Yield)	Dividend Rate
VIPS Checking	N/A	0.25%	0.25%
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	APY (Annual Percentage Yield)	Dividend Rate
Premier Money Market (PMMA )	$10,000	$10,000	0.65%	0.65%
Premier Advantage Money Market (PAMMA)	$25,000	$0-$49,999.99	0.35%	0.35%
Premier Advantage Money Market (PAMMA)	$25,000	$50,000 - $99,999.99	0.90%	0.90%
Premier Advantage Money Market (PAMMA)	$25,000	$100,000 and up	1.00%	1.00%
Premier Plus Money Market (PPMMA)	$40,000	$40,000	0.75%	0.75%
Education Savings	$5.00	$0.01	0.50%	0.50%
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.