Certificate of Deposit/Account Rates

Effective thru Janurary 18th 2012

Certificate of Deposit Rates

DURATION	RATE	*A.P.Y.
3 Month	0.20%	0.20%
Minimum balance required: $1000
6 Month	0.45%	0.45%
Minimum balance required: $1000
12 Month	0.70%	0.70%
Minimum balance required: $1000
18 Month	0.85%	0.85%
Minimum balance required: $1000
30 Month	1.10%	1.10%
Minimum balance required: $2500

*Annual Percentage Yield

Early withdrawal penalty may apply.

Account Rates

ACCOUNT TYPE	RATE	*A.P.Y.
Now	0.15%	0.15%
Super Now	0.20%	0.20%
Hi-Fi+ Money Market	0.25%	0.25%

*Annual Percentage Yield