Certificate and IRA Rates | Variable Rate Savings Account

Certificate Rates
Interest Compounded Monthly, Posted Monthly
If interest paid monthly - link to savings account
or by check, yield is the same as rate.
Rates Effective February 3, 2012

$10,000 Minimum
Term (Months)	Interest Rate	Annual Percentage Yield
12	0.50%	0.50%
24	0.70%	0.70%
36	0.95%	0.95%
48	1.15%	1.16%
60	1.40%	1.41%

Certificates are subject to a substantial penalty for early
withdrawal, Call for the "Account Terms and Conditions Disclosure"
Rates subject to change without notice.

IRA Rates
Rates Effective February 3, 2012

$1,000 Minimum
Term (Months)	Interest Rate	Annual Percentage Yield
12	0.50%	0.50%
24	0.70%	0.70%
36	0.95%	0.95%
48	1.15%	1.16%
60	1.40%	1.41%

Rates subject to change without notice.

Total GAAP Net Worth at 12/31/11  -      $95,595,000

Total Risk-based Capital at 12/31/11  -           17.58%
Tier 1 Leverage Capital Ratio at 12/31/11  -   13.26%