Rates Effective September 20, 2011 subject to change without notice.

Deposit Accounts

Shares 0.250% Rate 0.25% APY*   Share Drafts 0.000% Rate 0.00% APY*   IRAs 1.739% Rate 1.75% APY*   Roth IRAs 1.739% Rate 1.75% APY*

Certificate Accounts

6 Months 0.499% Rate .50 APY* $2,500 Minimum   1 Year 0.947% Rate .95 APY* $2,500 Minimum   2 Year 1.195% Rate 1.20 APY* $2,500 Minimum