Current Savings Rates

Dividend Rates As Of February 1, 2012

Share Type Dividend Rate APY* TOP

Regular Share ($100 to $2,499.99) 0.05% 0.05%   ($2,500 to $14,999.99) 0.10% 0.10%   ($15,000 +) 0.15% 0.15%

Share Draft Checking 0.00% 0.00%

Money Market ($2,500 - $9,999) 0.20% 0.10%   (Over $9,999) 0.35% 0.15%

Club Account ($100 to $2,499.99) 0.05% 0.05%   ($2,500 to $14,999.99) 0.10% 0.10%   ($15,000 +) 0.15% 0.15%

IRA Accumulation ($100 to $2,499.99) 0.05% 0.05%   ($2,500 to $14,999.99) 0.10% 0.10%   ($15,000 +) 0.15% 0.15%

*APY Is The Annual Percentage Yield. SAVINGS CALCULATORS

Certificate Type Dividend Rate APY* TOP

03 Month Certificate ($500 Minimum) 0.35% .020%

06 Month Certificate ($500 Minimum) 0.45% 0.30%

12 Month Certificate ($500 Minimum) 0.65% 0.50%

06 Month IRA Certificate ($1,000 Minimum) 0.45% 0.30%

12 Month IRA Certificate ($1,000 Minimum) 0.65% 0.50%

18 Month IRA Certificate ($1,000 Minimum) 0.65% 0.50%

24 Month IRA Certificate ($1,000 Minimum) 0.65% 0.50%

30 Month IRA Certificate ($1,000 Minimum) 0.65% 0.50%

36 Month IRA Certificate ($1,000 Minimum) 0.65% 0.50%

*APY Is The Annual Percentage Yield. SAVINGS CALCULATORS

• APY means 'Annual Percentage Yield' which considers compounding effect.
• Minimum balance of $100.00 is required to earn dividends.
• Rates subject to change without notice.
• ($2,500 to $14,999.99)
• 0.10%
• 0.10%