Term Share Rates

Rates effective as of March 15, 2012

Product

Interest Rate APY* Minimum Open Balance

Minimum Balance for APY*

6 Month Certificate .10 .10 1,000.00 1,000.00
1 Year Certificate .25 .25 1,000.00 1,000.00
2 Year Certificate .50 .50 1,000.00 1,000.00

*Annual Percentage Yield.  Rates, terms and conditions are subject to change without notice at the discretion of the board of directors.  Other limitations may apply. The interest rate and corresponding annual percentage yield may vary after the account is opened.