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Current Savings Rates

EFFECTIVE December 31, 2011

ACCOUNT TYPE
APY*
Shares
.25%
Share Drafts
.10%
Christmas Club
.25%
Vacation Club
.25%
*APY is the Annual Percentage Yield.


SHARE CERTIFICATES
TERMS
APY*
90 Day - Dividend Paid At Term
$500
n/a
  6 Mo - Dividend Paid Monthly
Min $1000
.75%
12 Mo - Dividend Paid Monthly
Min $1500
.85%
18 Mo - Dividend Paid Monthly
Min $1500
1.0%
24 Mo - Dividend Paid Monthly
Min $1500
1.15%
*APY is the Annual Percentage Yield.


IRA's
APY*
Floating - Dividends Paid Quarterly
.75%
12 Mo Certificate - Dividend Paid Monthly
.85%
18 Mo Certificate - Dividend Paid Monthly
1.0%
24 Mo Certificate - Dividend Paid Monthly
1.15%
*APY is the Annual Percentage Yield.

*** Rates are subject to change at any time without prior notice.***