Rates Effective December 9, 2011

Deposit Account Nominal Rate APY* Term

Share (Savings) 0.50% 0.50% N/A

Share Drafts 0.00% 0.00% N/A

Club Accounts 0.50% 0.50% N/A

IRA - Traditional, Roth or Coverdell (Education) Accounts 0.50% 0.50% N/A

*APY - Annual Percentage Yield
All rates are subject to change without notice.