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Savings Rates

Account Type	Rate	APY**
Regular Savings Accounts	0.15%	0.15%
IRA Open Deposit Accounts	0.50%	0.501%
School Savings	0.25%	0.25%
Christmas Savings	0.250%	0.25%
Two Year Certificate	1.30%	1.306%
One Year Certificate	1.00%	1.004%
Six Month Certificate	0.65%	0.652%
Three Month Certificate	0.45%	0.451%
**APY = Annual Percentage Yield
Rates are subject to change at any time

Rates as of 1/26/2012