SAVINGS ACCOUNTS
Effective Date: October 15, 2012

ACCOUNT TYPE Minimum
Deposit ¹
Min. Daily
Balance ²
Interest
Rate
APY ³
PASSBOOK SAVINGS $25.00 $1.00    .20%   .20%

CERTIFICATES OF DEPOSIT
Effective Date: October 15, 2012
A penalty may or will be imposed for early withdrawl from all CD accounts.

ACCOUNT TYPE Minimum
Deposit ¹
Min. Daily
Balance ²
Interest
Rate
APY ³
30 DAY CD *
(30 day interest)
$ 500.00 $ 500.00    .20%   .20%
182 Day CD *
(one month's interest)
$ 500.00 $ 500.00    .30%   .30%
1 Year CD **
(six months' interest)
$ 500.00 $ 500.00    .40%   .40%
18 Month CD **
(nine months' interest)
$ 500.00 $ 500.00    .50%   .50%
2 Year CD **
(nine months' interest)
$ 500.00 $ 500.00   .65%

 .65%

30 Month CD **
(twelve months' interest)
$ 5000.00 $ 5000.00   .65%

  .65%

3 Year CD **
(twelve months' interest)
$ 5000.00 $ 5000.00   .80%

 .80%

4 Year CD **
(twelve months' interest)
$ 5000.00 $ 5000.00 1.00%

1.00%

5 Year CD **
(twelve months' interest)
$ 5000.00 $ 5000.00 1.20%

1.20%

*   Interest - Compounded at maturity, Paid at maturity
** Interest - Compounded semi-annually, Paid semi-annually


Notes:
¹ Minimum to Open an Account
² Daily Balance (the amount of principal in the account each day); Minimum Balance to Obtain APY.
³ APY (Annual Percentage Yield - Total yield after 365 days assuming interest is re-invested)