Share Rates


Effective Date

January 3, 2012

Certificate Account

Minimum Opening Deposit $1,000
Dividends Compounded ---
Dividends Credited Monthly
Dividend Period Calendar Month


--------------------------------------------------------

Effective Date

January 3, 2012

Certificate Rates

Term Dividend Rate APY%
6 Months 0.30% 0.300%
12 Months 0.45% 0.451%
18 Months 0.75% 0.753%
24 Months 0.85% 0.853%
30 Months 0.95% 0.954%
36 Months 1.10% 1.106%


--------------------------------------------------------

Effective Date

January 3, 2012

Money Market Account

Minimum Account Balance Range Dividend Rate*
$5,000.00 - $9,999.99 .10%
$10,000.00 - $24,999.99 .15%
$25,000.00 - $49,999.99 .20%
$50,000.00 and over .25%


*Dividends paid monthly