Certificates of Deposit

APR APY

6 Month 0.50 0.50

12 Month 0.60 0.60

24 Month 0.75 0.75

36 Month 1.00 1.00

48 Month 1.10 1.10

12 Month Youth CD (special – 250 minimum) 0.60 0.60

***rates are subject to change weekly, please call for current rates***

***1,000 minimum investment

Rates as of: 05/23/2012

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Accordance with the

Federal Fair Housing Law

and the Equal Credit

Opportunity Act.

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*APR Annual Percentage Rate

*APY Annual Percentage Yield