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DIVIDEND RATES $ ANNUAL PERCENTAGE YIELD (APY'S)
Offered 4-09-04 
For current rates call 715-261-7680

Open Share Accounts Dividend Rates APY
Open Account 1.49% 1.50%
Kirby Kangaroo Club 1.49%  1.50%
Christmas Club Account 1.49% 1.50%
Share Draft Account .99% 1.00%
Shares (Insurance) Account .99% 1.00%
Traditional IRA Open Account 2.03% 2.05%
Roth Conversion IRA Open Account 2.03% 2.05%
Roth IRA Open Account 2.03% 2.05%
Education IRA Open Account 2.03% 2.05%
SEP IRA Open Account 2.03% 2.05%
Super Shares:    
                    $ 100 - $ 2,499.99 1.49% 1.51%
                    $2500 - $9,999.99 2.03% 2.05%
                    $10,000 + 2.42% 2.45%

$100 minimum balance for dividends except Kirby Kangaroo Club minimum is $5.
*APY = Annual Percentage Yield
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IRA & TERM SHARE CERTIFICATE
Minimum Opening Balance of $500
Term Dividend Rates APY
6 Months 2.38% 2.40%
12 Months 2.62% 2.65%
24 Months 3.12% 3.15%
36 Months 3.26% 3.30%
48 Months 3.94% 4.00%
60 Months 3.99% 4.05%

Minimum Opening Balance of $10,000
Term Dividend Rates APY
6 Months 2.92% 2.95%
12 Months 3.11% 3.15%
24 Months 3.65% 3.70%
36 Months 4.04% 4.10%
48 Months 4.08% 4.15%
60 Months 4.52% 4.60%
*APY = Annual Percentage Yield
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CHILDREN'S IRA & TERM SHARE CERTIFICATES

Minimum Opening Balance of $100
Term Dividend Rates APY
6 Months 2.39% 2.41%
12 Months 2.97% 3.00%
24 Months 3.41% 3.45%
36 Months 3.80% 3.85%
48 Months 3.99% 4.05%
60 Months 4.23% 4.30%

Disclosure statement available upon request.
(715) 261-7680

*APY = Annual Percentage Yield
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