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Effective 01/30/12 - 02/08/12

SHARE SAVINGS ACCOUNTS APY*
The rates stated are as of the last dividend declaration period.  Dividends are paid and compounded
quarterly using the average daily balance method.
There is a $5.00 minimum balance requirement.  
Share Savings 0.10%
Vacation / Holiday Club 0.10%
SHARE DRAFT CHECKING APY*
There is no minimum balance requirement. There are no monthly or per check charges. Your first 50 checks are free. No dividends paid
COMMAND ACCOUNT (MONEY MARKET) APY*
The rates stated are as of the last dividend declaration period.  Dividends are paid and compounded
monthly using the average daily balance method.
Balances $2,500.00 to $24,999.99 .15%
Balances $25,000.00 to $49,999.99 .25%
Balances $50,000.00 and over .50%
REGULAR AND IRA SHARE CERTIFICATES APY*
Regular certificate dividends are paid and compounded monthly using the average daily balance method; IRA dividends are paid and compounded quarterly using the average daily balance method.
There is a $1,000.00 minimum balance requirement.  
Balances of $10,000.00 or more earn a bonus rate!  
3 months 0.20%
6 months 0.28%
9 months 0.30%
12 months 0.44%
18 months 0.57%
24 months 0.72%
30 months 0.69%
INDIVIDUAL RETIREMENT ACCOUNT ACCUMULATOR APY*
The rates stated are as of the last dividend declaration period.  Dividends are paid and compounded  quarterly using the average daily balance method.  *Rate special -- limited time only!  
There is no minimum balance requirement. 0.50%

*Annual Percentage Yield