Share Accounts Rates
Rates effective as of October 18, 2011
Rates are subject to change without notice


 Account Type Dividend Rate APY*
 Shares (Regular, Special, IRA) 0.75% 0.75%
 Christmas Club 2.00% 2.00%
 Share Drafts none none
 Loan Security none none
 Insurance Escrow none none


Certificate** & IRA CD Accounts Rates
Rates effective as of October 18, 2011
Rates are subject to change without notice


 Term Dividend Rate APY*
 6 Months (CD only) 0.75% 0.75%
 1 Year 1.00% 1.00%
 2 Years 1.25% 1.26%
 3 Years 1.90% 1.91%

* APY = Annual Percentage Yield
** 4- and 5-year certificates unavailable for new deposits at this time / offering rollover only.
Penalty for early withdrawal = 30 days