Current Deposit Rates

Declared Dividend Rates - Effective February 1, 2012
 All rates are determined by the Board of Directors and are subject to change periodically

ACCOUNT TYPE
NOMINAL RATE
APY *
Regular Shares
.25
.25
Share Draft Accounts
.15
.15
Money Market Accounts
.50
.50
Special Purpose Account
(Christmas Club, Vacation Club, Taxes, Etc.)
.25
.25
*APY Is The Annual Percentage Yield.


Share Certificate Rates - Effective January 23, 2012
 All rates are determined by the Board of Directors and are subject to change periodically

CERTIFICATE TYPE
NOMINAL RATE
APY *
$500 MINIMUM - YOUTH
12 Months
.25
.25
18 Months
.30
.30
24 Months
.65
.65
30 Months
.65
.65
36 Months
1.25
1.26
$1,000 MINIMUM
12 Months
.25
.25
18 Months
.30
.30
24 Months
.65
.65
30 Months
.65
.65
36 Months
1.25
1.26
$2,500 MINIMUM
6 Months
.25
.25
$10,000 MINIMUM
12 Months
.50
.50
18 Months
.65
.65
24 Months
.95
.95
30 Months
.95
.95
36 Months
1.40
1.41
$25,000 MINIMUM
12 Months
.75
.75
18 Months
.85
.85
24 Months
1.00
1.01
30 Months
1.00
1.01
36 Months
1.45
1.46
*APY Is The Annual Percentage Yield.
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