Deposit Rates

Program	Term	Interest Rate	APY	Min. Deposit
1. Term Deposit* (Effective: Sunday, February 05, 2012)
CD Rates	6 months	0.250%	0.250%	$500.00
	9 months	0.350%	0.350%	$500.00
	12 months	0.650%	0.650%	$500.00
	14 months	0.650%	0.650%	$500.00
	18 months	0.700%	0.700%	$500.00
	24 months	1.090%	1.100%	$500.00
	30 months	0.990%	1.000%	$500.00
	36 months	1.240%	1.250%	$500.00
	48 months	1.240%	1.250%	$500.00
These offerings are available at either of our banking offices. Fees could reduce earnings on accounts. The rates and Annual Percentage Yields (APYs) on term deposits are guaranteed for the length of the term. The rates and APYs on other accounts may change after the account is opened. Rates and APYs are subject to change without notice. There are no minimum balance requirements to obtain the APY. **Early withdrawal penalties will be imposed.

Program	Interest Rate	APY
2. Ultimate Money Market Account* (Effective: Sunday, February 05, 2012)
$0 - $2,499	0.050%	0.050%

$2,500 - $9,999	0.100%	0.100%

$10,000 - $24,999	0.100%	0.100%

$25,000 - $49,999	0.250%	0.250%

$50,000 - $99,999	0.350%	0.350%

$100,000 - $500,000	0.500%	0.500%
*The APYs will be variable and subject to change at any time. Fees may reduce earnings. Offer limited to personal accounts only. Minimum to open account is $2,500. Maximum $500,000 per customer in these accounts.

Program	Interest Rate	APY
3. Deposit Rates* (Effective: Sunday, February 05, 2012)
Passbook Savings Account	0.150%	0.150%

Statement Savings Account	0.150%	0.150%

Christmas Club	0.150%	0.150%

N.O.W. Account	0.050%	0.050%
These offerings are available at either of our banking offices. Fees could reduce earnings on accounts. The rates and APYs on accounts may change after the account is opened. Rates and APYs are subject to change without notice. There are no minimum balance requirements to obtain the APY.