Checking
| Description | Minimum Amount | Term | Rate | APY* | Compounding Period | Effective |
| Choice Checking (Business Accounts) | $1000 | Daily | 0.00% | 0.00% | Monthly | 4th Qtr 2011 |
| Prestige Checking | $2,000 | Daily | 0.00% | 0.00% | Monthly | 4th Qtr 2011 |
Regular Shares
| Description | Minimum Dividend Balance | Term | Rate | APY* | Compounding Period | Effective |
| Regular Shares (One Share = $5) | $50 | Daily | 0.10% | 0.10% | Quarterly | 4th Qtr 2011 |
*Annual Percentage Yield
Term Share Certificates/IRA TSCs
| Description | Minimum Amount | Term | Rate | APY* | Compounding Period | Effective |
| 06 Month TSC or IRA TSC | $500 | 6 Months | 0.280% | 0.28%** | Monthly | 1/27/2012 |
| 06 Month TSC or IRA TSC | $10,000 | 6 Months | 0.419% | 0.42%** | Monthly | 1/27/2012 |
| 12 Month TSC or IRA TSC | $500 | 1 Year | 0.459% | 0.46%** | Monthly | 1/27/2012 |
| 12 Month TSC or IRA TSC | $10,000 | 1 Year | 0.648% | 0.65%** | Monthly | 1/27/2012 |
| 24 Month TSC or IRA TSC | $500 | 2 Years | 0.648% | 0.65%** | Monthly | 1/27/2012 |
| 24 Month TSC or IRA TSC | $10,000 | 2 Years | 0.966% | 0.97%** | Monthly | 1/27/2012 |
| 36 Month TSC or IRA TSC | $500 | 3 Years | 0.876% | 0.88%** | Monthly | 1/27/2012 |
| 36 Month TSC or IRA TSC | $10,000 | 3 Years | 1.292% | 1.30%** | Monthly | 1/27/2012 |
| 48 Month TSC or IRA TSC | $500 | 4 Years | 1.045% | 1.05%** | Monthly | 1/27/2012 |
| 48 Month TSC or IRA TSC | $10,000 | 4 Years | 1.539% | 1.55%** | Monthly | 1/27/2012 |
| 60 Month TSC or IRA TSC | $500 | 5 Years | 1.243% | 1.25%** | Monthly | 1/27/2012 |
| 60 Month TSC or IRA TSC | $10,000 | 5 Years | 1.933% | 1.95%** | Monthly | 1/27/2012 |
*Annual Percentage Yield
**Relationship pricing rates: Must have Checking and Direct Deposit or Regular Recurring Deposit to Checking. See your Member Service Representative for more information.
Rates are subject to change without notice. A penalty may apply for early withdrawal, fees may reduce earnings.
Money Market
| Description | Minimum Amount | Term | Rate | APY* | Compounding Period | Effective |
| Flex Money Market | $2,000 | Daily | 0.200% | 0.20% | Quarterly | 1/27/2012 |
| Flex Money Market | $20,000 | Daily | 0.320% | 0.32% | Quarterly | 1/27/2012 |
| Flex Money Market | $50,000 and higher | Daily | 0.439% | 0.44% | Quarterly | 1/27/2012 |
| Sapphire Account | $2,000 | Daily | 0.200% | 0.20% | Quarterly | 1/27/2012 |
| Diamond Account | $20,000 | Daily | 0.320% | 0.32% | Quarterly | 1/27/2012 |
*Annual Percentage Yield
Penalties may apply. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Regular IRA Shares
| Description | Minimum Dividend Balance | Term | Rate | APY* | Compounding Period | Effective |
| Regular IRA Shares (One Share = $5) | $50 | Daily | 0.35% | 0.35% | Quarterly | 4th Qtr 2011 |
*Annual Percentage Yield
