Savings Rates:  Prospective Savings, Checking and Money Market rates effective 5/01/13.

Share Savings
Shares Dividend Rate APY*
Primary Shares .10%  .10%
IRA Shares .10% .10%
Shares 7-99  .10%  .10%
Loan Payment  .10%  .10%
Club Accounts .10% .10%
Escrow .11% .11%
     

Share rates declared monthly.  To earn dividends, $100 minimum balance on Primary shares, $25.00 on IRA Shares, Club accounts and Share accounts 7-99 required.  Dividend rate may change after the account is opened.
*ANNUAL PERCENTAGE YIELD

Checking
  Accelerated Dividend Rate APY*
Tier 1 $0.00 - $5,000.00 0.05% 0.05%
Tier 2 $5,000.01 - $10,000.00 0.08% 0.08%
Tier 3 $10,000.01 and greater 0.10% 0.10%
  Advantage Checking Dividend Rate APY*
    0.05% 0.05%

Must maintain an average daily balance of $5,000 in the Accelerated Checking and $1,000 in the Advantage Checking to avoid a monthly fee.  Fees charged will reduce earnings.  No minimum balance required to earn dividends on the Accelerated Checking Account, dividends are earned based on the average daily balance in the account. No minimum balance required to earn dividends on the Advantage Checking Account.  Dividend rate may change after the account(s) is opened.
*ANNUAL PERCENTAGE YIELD.

Money Market
  Maxi Money Market** Dividend Rate APY*
Tier 1 $2,500.00 - $9,999.99  .15% .15%
Tier 2 $10,000.00 - $24,999.99  .15% .15%
Tier 3 $25,000.00 - $49,999.99  .20% .20%
Tier 4 $50,000.00 - $99,999.99  .25%  .25%
Tier 5 $100,000.00 and greater   .30%  .30%
  25 Karat Money Market*** Dividend Rate APY*
Tier 1 $0.00 to $49,999.99   .30%  .30%
Tier 2 $50,000.00 to $99,999.99   .35% .35%
Tier 3 $100,000.00 and greater   .40%  .40%
       

*ANNUAL PERCENTAGE YIELD
**Balance to earn dividends is $2,500.
***Balance to open account $25,000; dividends earned on $0.01 or greater. If balance falls below $25,000 at any time during the month, a $20 fee will be assessed.  Dividend rate may change after the account is opened.

Certificate Rates: Effective May 1, 2013

Share Certificates
Term Dividend Rate APY*
3 Months   .15%   .15%
6 Months   .20%   .20%
9 Months  .30%   .30%
12 Months   .40%   .40%
Tiger Troop (1 year term)   .40%  .40%
Extreme Teen (1 year term)   .40%  .40%
18 Months   .45%   .45%
24 Months   .60% .60%
36 Months 1.00%

1.00%

48 Months 1.19% 1.20%
60 Months 1.39% 1.40%
     

To earn dividends, $1,000 minimum balance required, except for Tiger Troop and Extreme Teen members which is $500.00.
*ANNUAL PERCENTAGE YIELD

IRA Share Certificates
Term Dividend Rate APY*
3 Months   .15%  .15%
6 Months    .20%   .20%
9 Months   .30%   .30%
12 Months   .40%   .40%
18 Months   .45%   .45%
24 Months  .60%  .60%
36 Months 1.00% 1.00%
48 Months 1.19% 1.20%
60 Months 1.39% 1.40%
     

$500.00 minimum balance to earn dividends. A certificate dividend penalty will be imposed for early withdrawal and may affect APY*.  Rates are fixed for the term of the share and IRA certificates.
*APY - ANNUAL PERCENTAGE YIELD