Savings Rates

Savings Effective 1-1-2013
Account Type     Rate Minimum Balance          APY*
Savings 0.10% $5.00 0.10%
Christmas Club 0.10%  $0.00 0.10%
Special Savings 0.10%  $0.00 0.10%
IRA Savings 0.10%  $0.00 0.10%
Money Market Savings Effective 10-1-2013
Account Type     Rate Minimum Balance          APY*
Money Market 0.10% $2,500.00 0.10%
Bronze 0.10% $25,000.00 0.10%
Silver 0.10% $50,000.00 0.10%
Gold 0.10% $100,000.00 0.10%
Share Certificates Effective 1-1-2013
Terms     Rate Minimum Balance          APY*
6 Month 0.25% $500.00 0.25%
1 Year 0.25% $500.00 0.25%
2 Years 0.50% $500.00 0..50%
3 Years 0.75% $500.00 0.75%
Checking Effective 9-1-2013
Account Type     Rate Minimum Balance          APY*
Free Checking 0.00% $0.00 0.00%
MM Checking 0.05% $2,500.00 0.05%
Bronze Checking 0.10% $25,000.00 0.10%
Silver Checking 0.10% $50,000.00 0.10%
Gold Checking 0.10% $100,000.00 0.10%

*APY Annual percentage yield