Rates effective as of APRIL 04, 2013

Savings	Minimum Opening Deposit	Minimum Balance to Avoid Service Charge	Interest Rate	APY*
Money Market Checking	1000.00	1000.00	0.10%	0.10%
Money Market Savings	1000.00	1000.00	0.10%	0.10%
Regular Savings	100.00	200.00	0.25%	0.25%
Var IRA	100.00	N/A	2.25%	2.27%

*APY = Annual Percentage Yield.
The Interest Rate and Annual Percentage Yield on the above accounts may change after opening. Fees could reduce earnings.

Certificates	Minimum Opening  Deposit	Interest Rate	APY*
3 Mo CD	500.00	0.10%	0.10%
6 Mo CD	500.00	0.15%	0.15%
1 YR CD	500.00	0.20%	0.20%
2 YR CD	500.00	0.40%	0.40%
3 YR CD	500.00	0.50%	0.50%
5 YR CD	500.00	0.95%	0.95%

*APY = Annual Percentage Yield.
A penalty will be imposed for early withdrawal.