Last Rate Change: October 1, 2011                                                                                    **All Rates Subject to Change**

*APY: Annual Percentage Yield

Dividends Projected: December 31, 2011
Account Type	Period Ending	Dividend Rate	APY*
Share Savings Under $100	Quarter Ending March 31, 2012	0.00%	0.00%
Share Savings ($100 to $500)	Quarter Ending March31, 2012	0.25%	0.250%
Share Savings ($501 to $2,000)	Quarter Ending March 31, 2012	0.25%	0.250%
Share Savings ($2,000 and above)	Quarter Ending March 31, 2012	0.25%	0.250%
Youth Share Accounts ($5 and above)	Quarter Ending March 31, 2012	0.25%	0.250%
Club Accounts	Annual Period Ending December 31, 2012	0.25%	0.250%

Certificate Rates

Last Rate Change: December 22, 2011

*APY: Annual Percentage Yield

Certificate Term	Dividend Rate	APY*
Six Months	0.35%	0.350%
One Year	0.45%	0.451%
Two Years	0.50%	0.501%