Rates Effective: February 1, 2012. Rates Subject To Change Without Notice.

Savings Accounts Minimum Balance Dividend Rate APY*
Regular Savings	$25.00 0.30% 0.30%
Christmas Club	$25.00 0.25% 0.25%
IRA Savings	$25.00 1.50% 1.51%
*APY Is The Annual Percentage Yield. SAVINGS CALCULATORS

Checking Accounts Minimum Balance Dividend Rate APY*
Share Draft/Checking	$200.00 0.25% 0.25%
VIP Draft	$2,500.00 0.60% 0.60%
*APY Is The Annual Percentage Yield. SAVINGS CALCULATORS

Share Certificates Minimum Balance Dividend Rate APY*
03 Month Certificate	$500.00 0.25% 0.25%
	$25,000.00 0.35% 0.35%
06 Month Certificate	$500.00 0.50% 0.50%
	$25,000.00 0.60% 0.60%
12 Month Certificate	$500.00 0.70% 0.70%
	$25,000.00 0.80% 0.80%
18 Month Certificate	$500.00 0.80% 0.80%
	$25,000.00 0.90% 0.90%
24 Month Certificate	$500.00 0.95% 0.95%
	$25,000.00 1.05% 1.05%
30 Month Certificate	$500.00 1.05% 1.05%
	$25,000.00 1.15% 1.16%
48 Month Certificate	$500.00 1.20% 1.21%
	$25,000.00 1.30% 1.31%
*APY Is The Annual Percentage Yield. SAVINGS CALCULATORS