Shares	Fees	Loans	Home Equity	Mortgage

SHARE CERTIFICATES
Effective Date: 01/20/12
Rates are subject to change daily    *Early Withdrawal Penalty may apply

	DIVIDEND RATE	ANNUAL PERCENTAGE YIELD	MINIMUM DEPOSIT!!
12 Month	.40%	.40%	$1000.00
18 Month	.60%	.60%	$500.00
24 Month	.94%	.95%	$500.00
30 Month	1.04%	1.05%	$500.00
36 Month	1.44%	1.45%	$500.00
48 Month	1.54%	1.55%	$500.00
60 Month	1.93%	1.95%	$500.00
Regular Share savings	.10%	.10%	$25.00
	.10%	.10%	$10,000.00
	.10%	.10%	$40,000.00
Club Accounts	.10%	.10%	$1.00
IRA Accounts	.50%	.50%	$25.00