Rates

All rates are current as of January 24, 2012 and are subject to change without notice.

APR* = Annual Percentage Rate

Savings	Rate	APY*	Term
Share Savings	0.10	0.10	n/a
IRA Savings	0.10	0.10	n/a
Money Market Account Minimum $1000	0.20	0.20	n/a
Christmas Club Account	0.50	0.50	n/a

All rates are current as of January 24, 2012 and are subject to change without notice.

APY* = Annual Percentage Yield

Certificates	Rate	APY*	Term
6 Month IRA or Share Certificate	0.54	0.55	6
12 Month IRA or Share Certificate	0.69	0.70	12
24 Month IRA or Share Certificate	0.99	1.00	24
36 Month IRA or Share Certificate	1.50	1.50	36
48 Month IRA or Share Certificate	1.58	1.60	48

All rates are current as of January 24, 2012 and are subject to change without notice.

APY* = Annual Percentage Yield