Savings Rates

Saving rates current as of:  December 13, 2011
Regular Shares	Dividend Rate
Regular Shares	.50% A.P.R. - .51% A.P.Y. (Average Daily Balance)
Club Accounts	.50% A.P.R. - .51% A.P.Y. (Average Daily Balance)
Share or IRA Certificates	Dividend Rate
3 Months	0.65 % A.P.R. - 0.65% A.P.Y.
6 Months	0.74 % A.P.R. - 0.75% A.P.Y.
9 Months	0.85% A.P.R. -   0.85% A.P.Y.
1 Year	1.00 % A.P.R. - 1.00 % A.P.Y.
14 Months	1.24 % A.P.R. - 1.25 % A.P.Y.
2 Year	1.74 % A.P.R. - 1.75 % A.P.Y.
3 Year	1.98 % A.P.R. - 2.00 % A.P.Y.
4 Year	2.23% A.P.R. - 2.25 % A.P.Y.
Share Money Market	Dividend Rate
$         0.00 to $  2,499.99	0 % A.P.R.
$  2,500.00 to $19,999.99	0.50 % A.P.R. - .51 % A.P.Y.
$20,000.00 to $49,999.99	0.75 % A.P.R. - 0.76 % A.P.Y.
$50,000.00 and over	1.00 % A.P.R. - 1.01 % A.P.Y.
Individual Retirement Accounts       (IRA)	Dividend Rate
Traditonal or Roth IRA	0.75% A.P.R. - 0.75 % A.P.Y.
Health Savings Accounts (HSA)	0.75 % A.P.R. - 0.75 % A.P.Y.

Share and Loan rates subject to change without notice.  Certain eligibility requirements may apply on Health Savings Accounts. 

Minimum certificate balance required is $1000.00.  Early Withdrawal penalties may apply.  Offers may be withdrawn at any time.

A.P.R. - Annual Percentage Rate.  A.P.Y. - Annual Percentage Yield