Rates

Certificate of Deposit

Term	*APR	**APY	Rate over $10,000	*APY
30 Days	.05%	.05%	.10%	.10%
91 Days	.10%	.10%	.20%	.20%
182 Days	.25%	.25%	.50%	.50%
12 Months	.50%	.50%	.65%	.65%
18 Months	.55%	.55%	.75%	.75%
24 Months	.65%	.65%	.90%	.90%
30 Months	.75%	.75%	.95%	.95%
36 Months	.85%	.85%	1.00%	1.00%
48 Months	.90%	.90%	1.15%	1.15%
60 Months	1.00%	1.00%	1.25%	1.26%

• *APR - Annual Percentage Rate
• **APY - Annual Percentage Yield

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"Special" Certificate of Deposit

Term	*APR	**APY
CD Special	%	%

• *APR - Annual Percentage Rate
• **APY - Annual Percentage Yield

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Regular Savings

Amount	*APR	**APY
$10.00 - $1,000.00	.10%	.10%
$1,000.01 - $2,500.00	.20%	.20%
$2,500.01 - Up	.40%	.40%

• *APR - Annual Percentage Rate
• **APY - Annual Percentage Yield

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Christmas Club

Amount	*APR	**APY
$10.00	.625%	.625%

• *APR - Annual Percentage Rate
• **APY - Annual Percentage Yield

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Individual Retirement Accounts

Type	*APR	**APY
90 Day IRA Passbook (Until June 30, 2013)	1.00%	1.00%

• *APR - Annual Percentage Rate
• **APY - Annual Percentage Yield

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Demand Deposit Checking

Type	*APR	**APY
NOW Account	.375%	.375%
SNOW Account	.50%	.50%
MMDA Account	.75%	.75%
Health Savings Account $.01 - $1,999.99	.50%	.50%
Health Savings Account $2,000.00 - $9,999.99	.75%	.75%
Health Savings Account $10,000.00	1.00%	1.00%

• *APR - Annual Percentage Rate
• **APY - Annual Percentage Yield

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Rates are accurate as of April 01, 2013.

**The Annual Percentage Yield assumes reinvestment of principal and interest for a 12-month period.

The rate may change after the account is opened if the account contains a variable rate feature.

Interest rate and annual percentage yield (APY) are subject to change at the Bank's discretion at anytime.

Fees could reduce earnings on the account.

Penalty for early withdrawals apply on Certificate of Deposit accounts.

We reserve the right to limit deposits to our banking area.