Savings Rates:  Prospective Savings, Checking and Money Market rates effective 02/01/2012.

Share Savings
Shares Dividend Rate APY*
Primary Shares .15%  .15%
IRA Shares .15% .15%
Shares 7-99  .15%  .15%
Loan Payment  .15%  .15%
Club Accounts .15% .15%
Escrow 1.50% 1.51%
     

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 0.10% 0.10%
Tier 3 $10,000.01 and greater 0.15% 0.15%
  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 may reduce earnings.  Dividend rate may change after the account is opened.
*ANNUAL PERCENTAGE YIELD

Money Market
  Maxi Money Market** Dividend Rate APY*
Tier 1 $2,500.00 - $9,999.99  .20% .20%
Tier 2 $10,000.00 - $24,999.99  .25% .25%
Tier 3 $25,000.00 - $49,999.99  .30% .30%
Tier 4 $50,000.00 - $99,999.99  .35%  .35%
Tier 5 $100,000.00 and greater   .45%  .45%
  25 Karat Money Market*** Dividend Rate APY*
Tier 1 $0.00 to $49,999.99   .35%  .35%
Tier 2 $50,000.00 to $99,999.99   .45% .45%
Tier 3 $100,000.00 and greater   .55%  .55%
       

*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 February 1, 2012

Share Certificates
Term Dividend Rate APY*
3 Months   .20%   .20%
6 Months   .30%   .30%
9 Months  .40%   .40%
12 Months   .55%   .55%
Tiger Troop (1 year term)   .55%  .55%
Extreme Teen (1 year term)   .55%  .55%
18 Months .70%   .70%
24 Months .80% .80%
36 Months 1.24%

1.25%

48 Months 1.49% 1.50%
60 Months 1.73% 1.75%
     

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   .20%  .20%
6 Months    .30%   .30%
9 Months   .40%   .40%
12 Months   .55%   .55%
18 Months  .70%   .70%
24 Months .80% .80%
36 Months 1.24% 1.25%
48 Months 1.49% 1.50%
60 Months 1.73% 1.75%
     

$500.00 minimum balance to earn dividends. A certificate dividend penalty may 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