| SHARE TYPE |
MIMIMUM
BALANCE
|
NOMINAL
RATE
|
APY* |
| REGULAR SHARES | $5 | 0.15% | 0.15% |
| SHARE DRAFTS | $1,000 | 0.00% | 0.00% |
| CHRISTMAS CLUB | NONE | 0.15% | 0.15% |
|
TRADITIONAL IRA
|
NONE | 1.00% | 1.01% |
|
Rates
Effective 12/31//2011 and
subject to change quarterly
|
|||
| *Annual Percentage Yield |