Certificate of Deposit Rates as of Febuary 1, 2012

Account Product Name

Interest Rate

Annual Percentage Yield

182 Day 

  .20%

   .20%

 12 Month

  .40%

   .40%

 15 Month

  .60%

   .60%

 24 Month

  .55%

   .55%

 30 Month

  .70%

   .70%

 48 Month

 1.20%

 1.20%

 60 Month

 1.55%

 1.56%

 Individual Retirement Account Rates as of Febuary 1, 2012

Account Product Name

Interest Rate

Annual Percentage Yield

Individual Retirement Account

.55%

.55%

IRA Certificate of Deposit

   

12 Month

.60%

.60%

18 Month

.95%

.95%

24 Month

1.10%

1.10%

*Minimum opening deposit for Certificates of Deposit and IRA Certificates of Deposit is $1,000.00.  Minimum balance to obtain annual percentage yield for Certificates of Deposit and IRA Certificates of Deposit is $1,000.00. Interest rate for the individual retirement account is a variable rate.  A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.

 Interest Bearing Account Rates as of Febuary 1, 2012

Account Product Name

Interest Rate

Annual Percentage Yield

Statement Savings*

 .15%

.15%

Now Account* 

 .15%

.15%

Super Now Account*

 .20%

.20%

 Money Market* 

 .25%

.25%

*The interest rate and annual percentage yield may change after account opening.  The minimum balance to obtain annual percentage yield on a statement savings account is $10.00.  The minimum balance to obtain annual percentage yield on a Now account is $1500.00.  The minimum balance to obtain annual percentage yield on a Super Now and Money Market account is $2500.00.