Annual Percentage Yield (APY) Rate Sheet

As of May 13, 2008

Deposit Account Description	Minimum Deposit	Minimum Balance	Interest Rate	APY
Certificate of Deposit
3 Month **	$1,000	$1,000	2.10%	2.12%
6 Month**	$1,000	$1,000	2.15%	2.16%
7 Month Special**	$1,000	$1,000	2.50%	2.51%
12 Month **	$1,000	$1,000	2.35%	2.37%
18 Month**	$1,000	$1,000	2.60%	2.63%
24 Month **	$1,000	$1,000	2.85%	2.88%
30 Month**	$1,000	$1,000	3.05%	3.09%
35 Month Special**	$1,000	$1,000	3.50%	3.55%
36 Month**	$1,000	$1,000	3.25%	3.29%
48 Month**	$1,000	$1,000	3.50%	3.55%
60 Month**	$1,000	$1,000	3.75%	3.80%
Individual Retirement Accounts
Roth IRA**
Variable Rate IRA (18 Month)**	$100.00		2.55%	2.57%
Fixed Rate IRA (4 Year)**	$500.00		3.50%	3.55%
Checking/Savings Accts.***
Free Checking*	$50.00	none	none	none
Interest Checking*	$50.00	$300.00	0.50%	0.50%
Platinum Checking*	$2,500.00	$2,500.00	tiered	tiered
balance $0.01 to $2,499.99			0.50%	0.50%
balance $2,500.00 to $9,999.99			1.00%	1.01%
balance $10,000.00 plus			1.25%	1.26%
Security Select Checking*	$25,000.00	$25,000.00	2.50%	2.53%
balance .01 to 24,999.99			0.50%	0.50%
Security Select Savings*	$25,000.00	$25,000.00	tiered	tiered
balance .01 to 24,999.99			0.50%	0.50%
balance 25,000. to 49,999.99			2.25%	2.28%
balance $50,000.00 plus			2.50%	2.53%
Platinum Savings*	$2,500.00	$2,500.00	tiered	tiered
balance $0.01 to $2,499.99			0.50%	0.50%
balance $2,500.00 to $9,999.99			1.00%	1.01%
balance $10,000.00 to $49,999.99			1.25%	1.26%
balance $50,000.00 plus			1.50%	1.51%
Regular Savings*	$100.00	$100.00	0.50% ($200.00 or more)	0.50% ($200.00 or more)
Regular Savings - Minor*	$10.00	none	0.50% ($200.00 or more)	0.50% ($200.00 or more)
Christmas Club Accounts*	$1.00	none	0.50%	0.50%

*Interest rates are subject to change at any time, except on time deposit accounts.
**A Penalty may be imposed for early withdrawal.
***Fees may reduce earnings.

Additional disclosures and information are available on all products upon request.

Security Federal Savings Bank is a mutually owned Community Bank serving Cass, Howard
and the immediate surrounding counties in North Central Indiana.