Interest Rates and Annual Percentage Yields (APY) are current as of 2/6/2012

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ACCOUNT NAME
MINIMUM
DEPOSIT TO OPEN ACCOUNT
MINIMUM
BALANCE
TO OBTAIN APY

INTEREST
RATE

ANNUAL
PERCENTAGE
YIELD
CERTIFICATES OF DEPOSIT*
 Last Updated 01/17/2012.
91 Day CD
$ 1000
$ 1000
0.20%
0.20%
182 Day CD
$ 1000
$ 1000
0.25%
0.25%
9 Month CD
$ 1000
$ 1000
0.40%
0.40%
12 Month CD
$ 1000
$ 1000
0.50%
0.50%
18 Month CD
$ 1000
$ 1000
0.60%
0.60%
30 Month CD
$ 5000
$ 5000
0.75%
0.75%
36 Month CD
$ 5000
$ 5000
1.25%
1.25%
48 Month CD
$ 5000
$ 5000
1.50%
1.50%
* Substantial Penalty for early withdrawal. Other conditions may apply.
IRA CERTIFICATES OF DEPOSIT* Last Updated 01/17/2012.
18 Month IRA CD
$ 1000
$ 1000
1.00%
1.00%
30 Month IRA CD
$ 1000
$ 1000
1.25%
1.25%
* Substantial Penalty for early withdrawal. Other conditions may apply.
CHECKING** Last Updated 01/17/2012.
NOW Account Tier 1
$ 1000
$ 5000
0.25%
0.25%
NOW Account Tier 2
$ 1000
$ .01
0.15%
0.15%
Money Market Checking
$ 2500
$ .01
0.25%
0.25%
Senior Checking
Tier 1
$ 25
5000
0.25%
0.25%
Senior Checking
Tier 2
$ 25
$ .01
0.15%
0.15%
** Rates may change anytime after opening account.
SAVINGS** Last Updated 01/17/2012.
Statement Savings Tier 1
$ 25
5000
0.25%
0.25%
Statement Savings Tier 2
$ 25
.01
0.15%
0.15%
** Rates may change anytime after opening account.
Fees could reduce the earnings on the account.