Effective 10/05/2011

Account Type	Minimum to open account	Minimun to earn the APY	Annual Percentage Yield	Interest Rate
MEMBERS	$100.00	$1,000.00	0.15	0.15
MEMBERS CLASSIC	$100.00	$1,000.00	0.15	0.15
NOW	$100.00	$2,500.00	0.15	0.15
		$1,000.00	0.10	0.10
MONEY MARKET	$100.00	$100,000.00	1.11	1.10
		$75,000.00	1.00	1.00
		$50,000.00	0.80	080
		$25,000.00	0.60	0.60
		$10,000.00	0.40	0.40
		$2,500.00	0.20	0.20
		$1,000.00	0.10	0.10
ELITE MONEY MARKET	$100.00	$100,000.00	1.26	1.25
		$50,000.00	1.11	1.10
		$10,000.00	0.35	0.35
			0.10	0.10
STATEMENT SAVINGS	$25.00		1.00	1.00
3 MONTH CD	$500.00	$500.00	0.25	0.25
3 MONTH FIXED IRA	$100.00	$100.00	0.25	0.25
6 MONTH CD	$500.00	$500.00	0.50	0.50
6 MONTH FIXED IRA	$100.00	$100.00	0.50	0.50
12 MONTH CD	$500.00	$500.00	0.75	0.75
12 MONTH FIXED IRA	$100.00	$100.00	0.75	0.75
18 MONTH CD	$500.00	$500.00	1.00	1.00
18 MONTH FIXED IRA	$100.00	$100.00	1.01	1.00
24 MONTH CD	$500.00	$500.00	1.10	1.10
24 MONTH FIXED IRA	$100.00	$100.00	1.11	1.10
30 MONTH CD	$500.00	$500.00	1.25	1.25
30 MONTH FIXED IRA	$100.00	$100.00	1.26	1.25
36 MONTH CD	$500.00	$500.00	1.50	1.50
36 MONTH FIXED IRA	$100.00	$100.00	1.51	1.50
48 MONTH CD	$500.00	$500.00	1.76	1.75
48 MONTH FIXED IRA	$100.00	$100.00	1.77	1.75
60 MONTH CD	$500.00	$500.00	1.96	1.95
60 MONTH FIXED IRA	$100.00	$100.00	1.97	1.95
18 MONTH IRA VARIABLE	$100.00	$100.00	1.06	1.05