ACCOUNT NAME	RATE	APY*
IRA	.30%	.30%
MINIMUM BALANCE-$500-	.20%	.20%
SHARE, CLUBS	.10%	.10%
CERT OF DEP 1 YEAR OVER $3000-	.40%	.40%
CERT OF DEP 1 YEAR UNDER $3000-	.40%	.40%
CERT OF DEP 6 MONTHS OVER $3000-	. .20%	.20%
CERT OF DEP 6 MONTHS UNDER $3000-	.20%	.20%
Rates as of  January 2012 Rates Subject to Change  May be penalty for early withdrawal *ANNUAL PERCENTAGE YIELD