Time Certificates
Term				Minimum Deposit
Rates as of 1/18/2012				Required	Rate	APY
30 Day				$2,500	0.30%	0.30%
91 Day				$2,500	0.45%	0.45%
182 Day				$2,500	0.55%	0.55%
6 Month				$  500	0.40%	0.40%
10 Month				$5,000	0.70%	0.70%
11 Month				$1,000	0.60%	0.60%
15 Month				$2,500	1.00%	1.00%
1 Year				$2,500	0.90%	0.90%
(Less than $2,500)				$  500	0.80%	0.80%
18 Month				$5,000	1.05%	1.05%
2 Year				$2,500	1.10%	1.10%
(Less than $2,500)				$  500	1.00%	1.00%
30 Month				$  500	1.59%	1.60%
3 Year				$2,500	1.74%	1.75%
4 Year				$5,000	1.99%	2.00%
5 Year				$5,000	2.10%	2.11%
35 Month - $500 deposits				$5,000	1.50%	1.51%
*Rates shown require a checking account.
IRA* (APY may change January 1 and July 1) A penalty may be charged for early withdrawal.				$10.00	1.00%	1.00%

Checking and Savings Accounts
				Minimum Deposit	Rate	APY
Savings**				$10.00	0.75%	0.75%
NOW				$1,000	0.30%	0.30%
Super NOW				$25,000 & up	0.35%	0.35%
				$10,000 to $24,999	0.25%	0.25%
				$2,500 to $9,999	0.20%	0.20%
				Less than $2,500	0.15%	0.15%
Money Market				$25,000 & up	0.70%	0.70%
				$10,000 to $24,999	0.50%	0.50%
				$2,500 to $9,999	0.45%	0.45%
				Less than $2,500	0.30%	0.30%
Preferred Plus				$25,000 & up	0.35%	0.35%
				$10,000 to $24,999	0.25%	0.25%
				$2,500 to $9,999	0.20%	0.20%
				Less than $2,500	0.15%	0.15%

Fees could reduce the earnings on your account. *RATE INFORMATION: Your interest rate and annual percentage yield may change. FREQUENCY OF RATE CHANGE We may change the interest rate on your account at any time. **MINIMUM BALANCE You must maintain a minimum balance of $10.00 in the account each day to obtain the annual percentage yield. We reserve the right to at any time require not less than 7 days notice in writing before any withdrawal from an interest bearing account other than a time deposit, or from any other savings account as defined by Regulation D.