Rates Effective March 20, 2013 subject to change without notice.

Deposit Accounts

Shares 0.250% Rate 0.25% APY*   Share Drafts 0.000% Rate 0.00% APY*   IRAs 0.996% Rate 1.00% APY*   Roth IRAs 0.966% Rate 1.00% APY*

Certificate Accounts

6 Months 0.25% Rate .25 %APY* $2,500 Minimum   1 Year 0.399% Rate .40% APY* $2,500 Minimum   2 Year 0.549% Rate .55% APY* $2,500 Minimum