Certificates

Share certificate rates effective as of December 21, 2011

Certificate rates are reviewed weekly and are subject to change without notice.  Dividends are paid monthly. 

EARLY WITHDRAWAL PENALTY: Loss of 90 days dividends for 6-12 month certificates; Loss of 180 day dividend for 18-36 month certificates. See additional DISCLOSURE below.

0.20%

0.20%

3

$500

6 month

0.30%

0.30%

6

$2,000

12 month

0.30%

0.30%

12

$500

12 month

0.40%

0.40%

12

$2,000

18 month

0.50%

0.50%

18

$2,000

24 month

0.60%

0.60%

24

$2,000

36 month

0.80%

0.80%

36

$2,000

IRA 3 month

0.20%

0.20%

3

$500

IRA 6 month

0.30%

0.30%

6

$2,000

IRA 12 month

0.30%

0.30%

12

$500

IRA 12 month

0.40%

0.40%

12

$2,000

IRA 18 month

0.50%

0.50%

18

$2,000

IRA 24 month

0.60%

0.60%

24

$2,000

IRA 36 month

0.80%

0.80%

36

$2,000