RATES

DEPOSIT INTEREST RATES AND ANNUAL PERCENTAGE YIELDS AS OF 2/3/12

Deposit Accounts (Variable Rate Accounts)
	Rate	APY
Regular Savings ($25.00 minimum)	0.25%	0.25%
NOW Accounts ($1,000.00 minimum)	0.25%	0.25%
Super NOW Accounts
$1,000.00-2,499.99	0.25%	0.25%
$2,500.00 and up	0.30%	0.30%
Money Market Savers Account
$1,000.00-2,499.99	0.25%	0.25%
$2,500.00 and up	0.30%	0.30%

*Specials* CD's (Fixed Rate Accounts)
	Rate	APY
None at this time.

Certificates of Deposit (Fixed Rate Accounts)
	Rate	APY
31 Day or less ($1,000.00 minimum)	0.35%	0.35%
90 Day or less ($1,000.00 minimum)	0.50%	0.50%
182 Day ($1,000.00 minimum)	0.60%	0.60%
10 Month ($1,000.00 minimum)	0.65%	0.65%
12 Month ($1,000.00 minimum)	0.85%	0.85%
18 Month ($1,000.00 minimum)	1.00%	1.00%
24 Month ($1,000.00 minimum)	1.15%	1.15%
30 Month ($1,000.00 minimum)	1.20%	1.20%
36 Month ($2,500.00 minimum)	1.25%	1.25%
48 Month ($2,500.00 minimum)	1.50%	1.51%
60 Month ($2,500.00 minimum)	1.75%	1.76%
IRA 18 Month Certificate ($200.00 minimum)	0.90%	0.90%
Christmas Club 2012 ($2.00 minimum)	0.50%	0.50%
***All Interest is calculated on the daily balance method.***
Variable rate accounts – the interest rates and annual percentage yields may change at any time.
Variable rate accounts – fees may reduce the Annual Percentage Yield Earned.
Certificates of Deposit – a penalty may be imposed for early withdrawal.
Christmas Clubs – no withdrawals permitted before maturity.