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%