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Deposit Accounts

Deposit Accounts Minimize Member FDIC Rates and APY effective and accurate as of December 9, 2010 Account Type Minimum Deposit Interest Rate APY First Choice Account $50.00 .15% .15% SuperNow (SNA) $2,000.00 .15% .15% Money Market (CMA) $3,000.00 .30% .30% Statement Savings $25.00 .15% .15% Christmas Club * $5.00 .90% .90% * Penalty for early withdrawal may be imposed. * APY means Annual Percentage Yield * Fees may reduce earnings * Rates are variable and may change after account is opened

Certificates of Deposit

Certificates of Deposit Minimize Member FDIC Rates and APY effective and accurate as of December 9, 2010 Account Type Minimum Deposit Interest Rate APY 3 Month CD $1,000.00 .25% .25% 6 Month CD * $1,000.00 .40% .40% 10 Month CD $1,000.00 .50% .50% 12 Month CD * $1,000.00 .65% .650% 18 Month CD * $500.00 .75% .75% 24 Month CD * $500.00 1.00% 1.00% 30 Month CD * $500.00 1.10% 1.11% 36 Month CD * $500.00 1.15% 1.16% 60 Month CD * $500.00 1.20% 1.21% SEE OFFICER $100,000.00     * Interest may be compounded quarterly * Monthly check only if over $50.00 * APY means Annual Percentage Yield * No monthly compounding on any CD * A penalty will or may be imposed for early withdrawal.

Retirement Accounts

Retirement Accounts Minimize Member FDIC Rates and APY effective and accurate as of December 9, 2010 Account Type Minimum Deposit Interest Rate APY IRA (Traditional-Variable) * $100.00 .75% .75% IRA (Roth-Variable) * $100.00 .75% .75% IRA (Educational-Variable) * $100.00 .75% .75% IRA (Guaranteed-Fixed) * $500.00 .25% .25% * Interest compounded monthly * APY means Annual Percentage Yield * A penalty will or may be imposed for early withdrawal. * Retirement Account Rates (except for the Guaranteed Fixed IRA) are variable and may change after the account is opened.

CDARS

CDARS Minimize Member FDIC Rates and APY effective and accurate as of December 9, 2010 Account Type Minimum Deposit Interest Rate APY 1 Month (4 wk) $100,000.00 .10% .10% 3 Month (13 wk) $100,000.00 .50% .50% 6 Month (26 wk) $100,000.00 .65% .65% 1 Year (52 wk) $100,000.00 .90% .90% 2 Year (104 wk) $100,000.00 1.25% 1.26% 3 Year (156 wk) $100,000.00 1.40% 1.41% * APY means Annual Percentage Yield. * Fees could reduce earnings on an account. * A penalty will or may be imposed for early withdrawal. * Deposit Account and Retirement Account Rates (except for the Guaranteed Fixed IRA) are variable and may change after the account is opened.