Rates and Yields Effective as of 10/30/08
Savings Calculator
Rate Type	Minimum Balance	DR*	APY**
Share (Savings) & Clubs	$25 minimum	0.60%	0.60%
Share Draft (Checking)	No Min. Balance	0.15%	0.15%
Atlantic Advantage Checking	No Min. Balance	0.60%	0.60%
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+	0.90% 1.24% 1.44% 1.74% 2.08%	0.90% 1.25% 1.45% 1.75% 2.10%
3 Mo. Certificate	$100 minimum	2.08%	2.10%
6 Mo. Certificate	$500 minimum	2.62%	2.65%
12 Mo. Certificate	$500 minimum	2.76%	2.80%
18 Mo. Certificate	$500 minimum	2.81%	2.85%
2 Yrs. Certificate	$500 minimum	3.01%	3.05%
3 Yrs. Certificate *Changing Tides  - allow 1-time rate increase	$500 minimum	3.25%	3.30%
4 Yrs. Certificate *Changing Tides  - allow 1-time rate increase	$500 minimum	3.54%	3.60%
5 Yrs. Certificate *Changing Tides  - allow 1-time rate increase	$500 minimum	3.78%	3.85%
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 +	0.90% 1.24% 1.44% 1.74% 2.08%	0.90% 1.25% 1.45% 1.75% 2.10%
Health Savings Account (HSA)	$0 - $999 $1,000 - $4,999 $5,000 +	0.90% 1.24% 1.44%	0.90% 1.25% 1.45%
IRA Share Certificates (6 month - 5 year) available at  regular share certificate rates. For term certificates an early withdrawal penalty may exist.
* Dividend Rate       ** 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 accounts.