DEPOSIT RATES

AS OF APRIL 22, 2013

Account Type	Interest Rate	Annual Percentage Yield
Statement Savings	.20%	.20%
Statement Money Market Fund
Balance 100.00 - 2,499.99	.20%	.20%
Balance 2,500.00 - 9,999.99	.20%	.20%
Balance 10,000.00 & Over	.25%	.25%
Plus Checking
Balance .01 - 7,499.99	.10%	.10%
Balance 7,500.00 & Over	.15%	.15%
Club Checking	.10%	.10%
Fees could reduce earnings if the minimum balance is not maintained (see accounts page for minimum balance requirements).

CERTIFICATE RATES

AS OF APRIL 22, 2013

Account Type	Interest Rate	Annual Percentage Yield
91 Day CD	.10%	.10%
182 Day CD	.15%	.15%
9 Month CD	.20%	.20%
12 Month CD	.25%	.25%
15 Month CD	.25%	.25%
18 Month CD	.35%	.35%
24 Month CD	.35%	.35%
25 Month CD	.35%	.35%
30 Month CD	.40%	.40%
36 Month CD	.45%	.45%
48 Month CD	.75%	.75%
60 Month CD	.90%	.90%
IRA ACCOUNTS ARE THE SAME INTEREST RATES FOR TERMS OF 12 MONTHS OR LONGER
Minimum balance required to open and to obtain the annual percentage yield is $500.00
A penalty will be assessed for early withdrawal.