Rates Effective 10/19/11
Dividend/Interest Rates are sensitive to the Market and may change without notice. *APY is the Annual Percentage Yield and assumes that principle and interest remain on deposit for a full year.

Regular Share Accounts Nominal Rate APY*

(Minimum Deposit $ 25.00)

Under $ 500.00 0.00% 0.00%

$500.00 - $4,999.99 0.10% 0.10%

$5,000.00 - $9,999.99 0.12% 0.12%

$10,000.00 & Above 0.15% 0.15%

Junior Share Accounts Nominal Rate APY*

(Minimum Deposit $ 5.00)

$ 50.00 & Above 0.15% 0.15%

Share Certificates Nominal Rate APY*

(Minimum Deposit $ 500.00, Maximum Deposit $ 40,000.00, Dividends Payed At Maturity)

06 Month Certificates 0.25% 0.25%

12 Month Certificates 0.35% 0.35%

24 Month Certificates 0.50% 0.50%