CURRENT RATES AS OF December 6, 2011
Interest Bearing Checking Accounts
Description	Minimum Deposit To Open Account	Interest Rate***	Annual % Yield (APY)**
NOW Checking	$1,000	0.10%	0.10%
Super NOW Checking	$2,500	0.15%	0.15%
Tiered Money Market
Minimum Daily Balance to Earn APY	Minimum Deposit ToOpen Account	Interest Rate***	Annual % Yield (APY)**
$.01 to $24,999.99	$2,500	.20%	.20%
$25,000.00 to $49,999.99	$2,500	.25%	.25%
$50,000.00 to $74,999.99	$2,500	.65%	.65%
$75,000 or more	$2,500	.95%	.95%
Savings Accounts
Description	Minimum Deposit ToOpen Account	Interest Rate***	Annual % Yield (APY)**
Regular Savings	$100	0.05%	0.05%
Certificates of Deposit
Description	Minimum Deposit To Open Account and earn APY	Interest Rate	Annual % Yield (APY)
91 Day CD	$1,000	.10%	.10%
182 Day CD	$1,000	.25%	.25%
12 Month CD	$1,000	.35%	.35%
18 Month CD	$1,000	.50%	.50%
24 Month CD	$1,000	.65%	.65%
30 Month CD	$1,000	.75%	.75%
36 Month CD	$1,000	.90%	.90%
48 Month CD	$1,000	1.00%	1.00%
60 Month CD	$1,000	1.25%	1.26%
365 Day Small Saver CD	$200	.25%	.25%
13 Month CD    Special	$1000	.60%	.60%
IRA Certificates of Deposit
Description	Minimum Deposit To Open Account and earn APY	Interest Rate	Annual % Yield (APY)
91 Day CD	$100	.10%	.10%
182 Day CD	$100	.25%	.25%
12 Month CD	$100	.35%	.35%
24 Month CD	$100	.65%	.65%
30 Month CD	$100	.75%	.75%
36 Month CD	$100	.90%	.90%
48 Month CD	$100	1.00%	1.00%
60 Month CD	$100	1.25%	1.26%
IRA 18 Month CD	$100	.75%	.75%
Annual Percentage Yields (APY) accurate as of December 6, 2011. *** rates may change after the account is opened; **fees could reduce earnings on account;
a penalty may be imposed for early withdrawal from a Certificate of Deposit; ask bank staff for additional information.