Rates Are Effective as of December 29, 2011

Annual Percentage Yields

Regular Passbook

0.10%

**Money Market Savings or Checking Plus

Savings

Checking

$50,000 or greater*

0.30%

0.20%

$25,000 to $49,999

0.20%

0.10%

$10,000 to $24,999

0.10%

0.10%

$1,000 to $9,999

0.10%

0.10%

*** Balances below $1,000 earn the regular Passbook Rate

** Fees could reduce earnings on accounts

** Certificates of Deposit ($500 minimum)

A.P.Y.

Interest Rate

31 Day CD

0.10%

0.099%

6 Months CD

0.25%

0.249%

1 Year CD

0.35%

0.349%

18 Month CD

0.50%

0.499%

18 Month Variable Rate CD

0.50%

0.499%

(add deposits anytime during term)

2 Year CD

0.75%

0.749%

3 Year CD

0.90%

0.899%

4 Year CD

1.05%

1.045%

5 Year CD

1.25%

1.242%

IRA Variable Rate CD (12 Months)

0.60%

0.599%

** A penalty may be imposed for early withdrawal

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