Lyons Federal Savings

CERTIFICATE RATES EFFECTIVE AS OF SEPTEMBER 26, 2008

RATE

APY

RATE

APY

RATE

APY

TERM

$500 TO $4,999

$5,000 TO $14,999

OVER $15,000

IRA RATES

IRA - 30 DAY IRA

1.69%

1.70%

IRA - 18 MO. VARIBLE

2.67%

2.70%

32 THRU 90 DAYS

1.49%

1.50%

1.59%

1.60%

1.69%

1.70%

91 DAYS THRU 5 MO.

1.89%

1.90%

1.99%

2.00%

2.08%

2.10%

6 MO. THRU 11 MO.

2.13%

2.15%

2.23%

2.25%

2.33%

2.35%

12 MO. THRU 17 MO.

2.38%

2.40%

2.48%

2.50%

2.58%

2.60%

18 MO. THRU 23 MO.

2.48%

2.50%

2.58%

2.60%

2.67%

2.70%

24 MO. THRU 29 MO.

2.48%

2.50%

2.58%

2.60%

2.67%

2.70%

30 MO. THRU 35 MO.

2.48%

2.50%

2.58%

2.60%

2.67%

2.70%

36 MO. THRU 47 MO.

2.77%

2.80%

2.87%

2.90%

2.97%

3.00%

48 MO. THRU 59 MO.

3.02%

3.05%

3.11%

3.15%

3.21%

3.25%

60 Months

3.16%

3.20%

3.26%

3.30%

3.36%

3.40%

1 MONTH SPECIAL

1.84%

1.85%

2.08%

2.10%

2.08%

2.10%

4 MONTH SPECIAL

2.43%

2.45%

2.67%

2.70%

2.67%

2.70%

8 MONTH SPECIAL

2.72%

2.75%

2.97%

3.00%

2.97%

3.00%

19 MONTH SPECIAL

2.97%

3.00%

3.21%

3.25%

3.21%

3.25%

26 MONTH SPECIAL

3.11%

3.15%

3.36%

3.40%

3.36%

3.40%

53 MONTH SPECIAL

3.70%

3.75%

3.94%

4.00%

3.94%

4.00%

ADVANTAGE ACCT

1.00%

SUPER ADVANTAGE

0.75%

REWARD CHECKING

0.50%

PRESTIGE 50

0.50%

BASIC CHECKING

NON-INTEREST BEARING

FREEDOM CHECKING

NON-INTEREST BEARING

EXPRESS CHECKING

NON-INTEREST BEARING

FAMILY CLUB ACCT

NON-INTEREST BEARING

PRESTIGE STUDENT

NON-INTEREST BEARING

PASSBOOK SAVINGS

1.00%

*** RATES SUBJECT TO CHANGE WITHOUT NOTICE, CALL OR E-MAIL FOR A CURRENT RATE QUOTE.

**** APY -- ANNUAL PERCENTAGE YIELD

***** CD's & Savings Compounded Qtrly, Advantage, Super Advantage,

Reward and Prestige 50 Checking Compounded Monthly