Certificates of Deposit ($500 Minimum Deposit)02/02/2012
Term
Interest Rate
APY*
3 Months
.30
.30
6 Months
.50
.50
12 Months
.80
.80
18 Months
1.00
1.00
24 Months
1.10
1.10
36 Months
1.20
1.20
48 Months
1.30
1.31
60 Months
1.50
1.51
*Annual Percentage Yield
Penalty for early withdrawal.


Certificates of Deposit ($100,000 Jumbo)
Effective Date:02/02/2012
Term
Interest Rate
APY*
30 Day
.25
.25
3 Month
.40
..40
6 Month
.65
.65
12 Month
1.00
1.00
18 Month
1.20
1.20
24 Month
1.30
1.31
36 Month
1.40
1.41
48 Month
1.50
1.51
60 Month
1.75
1.76
*Annual Percentage Yield
Penalty for early withdrawal.


Individual Retirement Accounts
Effective Date:02/02/2012
Term
Interest Rate
APY*
6 Month
.50
.50
12 Month
.80
.80
24 Month
1.10
1.10
36 Month
1.20
1.20
48 Month
1.30
1.31
60 Month
1.50
1.51
*Annual Percentage Yield
Penalty for early withdrawal.


Checking Accounts
Effective Date:02/02/2012
Account Type
Minimum Balance
Interest Rate
APY*
NOW
$500.00
.10
.10
Super NOW
$2,500.00
.15
.15
Hi Yield
$2,500.00
.20
.20
Money Market
$10,000.00
.30
.30
*Annual Percentage Yield
Rates may change after the account is opened.
Fees may reduce earnings on the accounts.


Savings Accounts
Effective Date: 02/02/2012
Account Type
Interest Rate
APY*
Regular Savings
.20
.20
Bank Christmas Club
.20
.20
Factory Christmas Club
.20
.20
*Annual Percentage Yield
Rates may change after the account is opened.
Fees may reduce earnings on the accounts.