Deposit Rates

Effective August 30, 2011

Compounding Share Certificates

Minimum Balance Required	Term	Dividend Rate	APY*
$1,000	91 days	0.15%	0.15%
$1,000	6 months	0.20%	0.20%
$1,000	12 months	0.45%	0.45%
$1,000	18 months	0.50%	0.50%
$1,000	24 months	0.85%	0.85%
$1,000	36 months	1.00%	1.01%

Non-Compounding Share Certificates

Minimum Balance Required	Term	Dividend Rate	APY*
$1,000	91 days	0.15%	0.15%
$1,000	6 months	0.20%	0.20%
$1,000	12 months	0.45%	0.45%
$1,000	18 months	0.50%	0.50%
$1,000	24 months	0.85%	0.85%
$1,000	36 months	1.00%	1.00%

IRA Contributory

Effective October 1, 2011

Minimum Balance Required	Term	Dividend Rate	APY*
Accumulation Account $0 - $9,999.00		0.25%	0.25%
Over $10,000		0.25%	0.25%

Compounding IRA Share Certificates

Effective August 30, 2011

Minimum Balance Required	Term	Dividend Rate	APY*
$1,000	12 months	0.45%	0.45%
$1,000	18 months	0.50%	0.50%
$1,000	24 months	0.85%	0.85%
$1,000	36 months	1.00%	1.00%

Money Market

Effective October 1, 2011

Minimum Balance Required	Term	Dividend Rate	APY*
$1,000.00 minimum balance		0.25%	0.25%
There is a $250.00 minimum withdrawal amount.

Share (savings) Account

Effective October 1, 2011

Minimum Balance Required	Term	Dividend Rate	APY*
$5.00 minimum balance		0.20%	0.20%
Your account must have a minimum of $100 to earn the Dividend Rate.

Share Draft (checking) Account

Minimum Balance Required	Term	Dividend Rate	APY*
No minimum balance		0.10%	0.10%
There is no minimum balance required to earn the APY.

All share account rates are variable and subject to change monthly. Fees may reduce earnings. There are early withdrawal penalties on share certificate accounts. Please see the Universal Account Agreement provided you for additional disclosures. Contact an employee for further information about applicable fees and terms.

* Annual Percentage Yield

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