Rates Certificate of Deposit Rates - Effective as of 09/15/2011   Terms Under $25,000.00 $25,000.00 - $49,999.00 Over $50,000.00   Rate APY* Rate APY* Rate APY*   3 Months 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 6 Months 0.45% 0.45% 0.45% 0.45% 0.45% 0.45% 12 Months 0.55% 0.55% 0.55% 0.55% 0.55% 0.55% 18 Months 0.65% 0.65% 0.65% 0.65% 0.65% 0.65% 24 Months 0.75% 0.75% 0.75% 0.75% 0.75% 0.75% 30 Months 0.75% 0.75% 0.75% 0.75% 0.75% 0.75% 36 Months 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 48 Months 1.75% 1.76% 1.75% 1.76% 1.75% 1.76% 60 Months 1.75% 1.76% 1.75% 1.76% 1.75% 1.76%                                                           Money Market Account Rates                                     Effective 08/31/2010 Below $2,500.00 0.15% 0.15%         $2,500.00-$9,999.00 0.25% 0.25%         $10,000-$24,999.00 0.50% 0.50%         $25,000-$49,999.00 0.65% 0.65%         $50,000-$99,999.00 0.75% 0.75%         $100,000.00 & Over 0.90% 0.90%         NOW Account 0.10% 0.10%                       Savings Account Rates                                      Effective: 8/31/2010 Savings 0.15% 0.15%                       *Annual Percentage Yield

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