Certificates of Deposit Rates

Certificates of Deposit
TERM	INTEREST RATE	APY
7-30 DAYS	0.15 %	0.15 %
31-90 DAYS	0.15 %	0.15%
91-182 DAYS	0.30 %	0.30 %
183-364 DAYS	0.65 %	0.65 %
12-23 MONTHS	0.75 %	0.75 %
24-35 MONTHS	1.00 %	1.00 %
36-47 MONTHS	1.49 %	1.50 %
48-60 MONTHS	1.74 %	1.75 %
Effective 2/20/12

Annual Percentage yield reflects monthly compounding over full term of Certificates of Deposit. Please contact a bank representative for applicable rates and documentation required for IRA certificates of deposit.

$500 Minimum Balance Required
Substantial penalty for early withdrawal may apply

All rates are effective as of 2/20/12 and are subject to change without notice.