Interest

Regular Shares Balances:
Annual Dividend
APY*
 $25 -$2,999
 $3,000 -$14,999
 $15,000 - $49,999
 $50,000 or more
  .70%
  .80%
  .95%
1.05%
  .70%
  .80%
  .95%
1.05%
Checking Accounts:
 Over $500
  .70%
  .70%
Saving Certificate:
 3 Months
 6 Months
 12 Months
1.00%
1.25%
1.50%
1.00%
1.26%
1.51%
 IRA'S:
 12 Months
 24 Months
 60 Months
 120 Months
2.00%
2.25%
2.50%
2.75%
2.02%
2.27%
2.53%
2.78%

*Annual percentage yield.  Interest paid as of September 30, 2012.   It's subject to change without prior notice.