CD Rates
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Type	Opening Deposit	Balance Required	Interest Rate	Annual Percentage Yield
3 Months	$500	$500	.15%	.15%
6 Months *	$500	$500	.25%	.25%
12 Months *	$500	$500	.45%	.45%
13 Months	$500	$500	.40%	.40%
18 Months *	$500	$500	.50%	.50%
22 Months (Upgrade) (a)	$500	$500	.50%	.50%
24 Months (Upgrade) (a)*	$500	$500	.50%	.50%
24 Months (Fixed) *	$500	$500	.60%	.60%
36 Months (Upgrade) (a)	$500	$500	.65%	.65%
36 Months (Fixed) *	$500	$500	.80%	.80%
48 Months *	$500	$500	.95%	.95%
60 Months *	$500	$500	1.10%	1.10%


	Rates are current as of 8/28/12.
	APY = Annual Percentage Yield. APY assumes interest remains on deposit until maturity.
	Penalties will be assessed for early withdrawal.
*	Denotes terms available for IRA deposits.
(a)	UPGRADE OPTION ON CDs: The interest rate may be upgraded one time during the life of these certificates to the quoted rate for a fixed-rate certificate of the same term at the time of upgrade. The 22-month CD may be upgraded to the rate for the 24-month fixed CD at the time of the upgrade. The upgraded rate will be applicable for the remainder of the original term of the CD. AS OF 1/20/06, THE 22 AND 36 MONTH UPGRADE TERMS ARE NOT AVAILABLE FOR NEW CD's. THESE TERMS ARE AVAILABLE ONLY FOR AUTO RENEWALS.
	Rates quoted are simple interest rate and are subject to change without notice.


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