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Rates Effective: 01/27/2012                                Rates are subject to change

SHARE SAVINGS

ACCOUNT NAME

MINIMUM FOR DIVIDENDS

RATE

APY

MINIMUM BALANCE TO OPEN

Primary Shares $100 0.05% 0.0500% $50
Guardian Angel Shares $10 0.05% 0.0500% $10
IRA Savings $100 0.05% 0.0500% $50
Investment Club $2,500 0.07% 0.0700% $2,500
Share Draft $2,500 0.00% 0.0000% $0
Christmas $10 0.05% 0.0500% $10
Vacation $10 0.05% 0.0500% $10
Investment Club + $ 5,000 0.08% 0.0800% $5,000
Tier 2 $25,000 0.08% 0.0800%
Tier 3 $50,000 0.08% 0.0800%
Tier 4 $75,000 0.08% 0.0800%


Available for both Savings and Individual Retirement Accounts unless noted otherwise

Rates Effective: 01/27/2012                                Rates are subject to change

SHARE CERTIFICATES

CERTIFICATE TERM

MINIMUM DEPOSIT

DIVIDEND RATE

APY

* 6 Month $5,000 0.08% 0.0800%
** 9 Month Add2IT $1,000 0.15% 0.1501%
12 Month $500 0.20% 0.2002%
*** 12 Month Small Saver Add2IT $100 0.15% 0.1501%
**** 14 Month Bump Up + $2,500 0.20% 0.2002%
18 Month $500 0.20% 0.2002%
24 Month $500 0.20% 0.2002%
30 Month $500 0.20% 0.2002%
36 Month $500 0.20% 0.2002%
48 Month $500 0.20% 0.2002%
60 Month $500 1.00% 1.0038%
* Not available for Individual Retirement Accounts.
** Unlimited additional deposits of at least $1,000 are allowed during the certificate term.
*** Additional deposits by transfer of at least $20 are allowed during the certificate term. Not available for individual Retirement Accounts.
**** You have the one time option of bumping up your rate to the current rate offered for this certificate type and/or making additional deposits of at least $1,000 during the certificate term. Not available for Individual Retirement Accounts.

     


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