Rates and Yields Effective as of 06/29/10
Savings Calculator
Account Type	Minimum Balance	DR*	APY**
Share (Savings) & Clubs	$25 minimum	0.35%	0.35%
Share Draft (Checking)	No Min. Balance	0.15%	0.15%
Atlantic Advantage Checking	No Min. Balance	0.35%	0.35%
WAVE Money Market Account - tiered dividends based upon the   average daily balance	$2,500 - $4,999 $5,000 - $9,999 $10,000 - $49,999 $50,000 - $99,999 $100,000+	0.40% 0.55% 0.65% 0.83% 1.06%	0.40% 0.55% 0.65% 0.83% 1.07%
3 Mo. Certificate	$100 minimum	0.45%	0.45%
6 Mo. Certificate	$500 minimum	0.80%	0.80%
12 Mo. Certificate	$500 minimum	1.09%	1.10%
18 Mo. Rippling Waves Certificate - allows add'l ($500 minimum) deposits	$500 minimum	1.19%	1.20%
2 Yrs. Certificate	$500 minimum	1.39%	1.40%
3 Yrs. Certificate *Changing Tides  - allows 1-time rate increase	$500 minimum	1.98%	2.00%
4 Yrs. Certificate *Changing Tides  - allows 1-time rate increase	$500 minimum	2.33%	2.36%
5 Yrs. Certificate *Changing Tides  - allows 1-time rate increase	$500 minimum	2.67%	2.70%
Retirement Share Account - (Roth IRA, Traditional IRA, SEP IRA, and Coverdell ESA Accounts)	$0 - $4,999 $5,000 - $9,999 $10,000 - $49,999 $50,000 - $99,999 $100,000+	0.40% 0.55% 0.65% 0.83% 1.06%	0.40% 0.55% 0.65% 0.83% 1.07%
Health Savings Account (HSA)	$0 - $999 $1,000 - $4,999 $5,000 +	0.40% 0.55% 0.65%	0.40% 0.55% 0.65%
IRA Share Certificates (6 month - 5 year)  available at regular Share Certificate rates. For term certificates an early withdrawal penalty may exist.
*DR: Dividend Rate   **APY: Annual Percentage Yield

   Important information about transactions (Reg. D) in your Savings Account

We do business in accordance with the 
Federal Fair Housing Law and the Equal Credit Opportunity Act.

Rates and terms subject to change without notice and may change after account is opened. Maintenance or service fees could reduce account earnings and a penalty may be applied for early withdrawal of term share accouts.