Current APY Rates

APY Effective As Of:

January 3, 2012

CERTIFICATES OF DEPOSITS
INTEREST RATE	ANNUAL PERCENTAGE YIELD	TERMS	ALL CDs $500 MINIMUM
.25%	.25% APY*	91-Day	MATURITY
.40%	.40% APY*	182-Day	MATURITY
.60%	.60% APY*	12-Month	QUARTERLY
.60%	.60% APY*	12-Month	SEMI-ANNUALLY
.60%	.60% APY*	12-Month	ANNUALLY
.70%	.70% APY*	18-Month	QUARTERLY
.70%	.70% APY*	18-Month	SEMI-ANNUALLY
.85%	.85% APY*	24-Month	QUARTERLY
.85%	.85% APY*	24-Month	SEMI-ANNUALLY
.90%	.90% APY*	30-Month	QUARTERLY
.90%	.90% APY*	30-Month	SEMI-ANNUALLY
1.15%	1.15% APY*	36-Month	QUARTERLY
1.15%	1.15% APY*	36-Month	SEMI-ANNUALLY
1.50%	1.50% APY*	48-Month	QUARTERLY
1.50%	1.50% APY*	48-Month	SEMI-ANNUALLY
PLEASE ASK ABOUT MONTHLY INTEREST. EARLY WITHDRAWAL PENALTIES ARE IMPOSED

FUNERAL AGREEMENTS
INTEREST RATE	ANNUAL PERCENTAGE YIELD	TERMS	MINIMUM DEPOSIT
.70%	.70% APY*	12-Mo Pre-Paid	$1.00 Minimum

IRA AND SEP ACCOUNTS
INTEREST RATE	ANNUAL PERCENTAGE YIELD	TERMS	MINIMUM DEPOSIT
1.50%	1.50% APY*	48-Month Fixed Rate IRA & SEP	$500
1.00%	1.00% APY*	18-Month Fixed Rate IRA & SEP	$500
.70%	.70 APY*	18-Month Variable IRA & SEP	$10.00

SAVINGS ACCOUNTS
INTEREST RATE	ANNUAL PERCENTAGE YIELD	TERMS	MINIMUM DEPOSIT
0.10%	0.10% APY*	n/a	$1.00 Minimum to open
0.20%	0.20% APY*	n/a	MMDA $1000

DDA ACCOUNTS
INTEREST RATE	ANNUAL PERCENTAGE YIELD	TERMS	MINIMUM DEPOSIT
Ask about our Checking accounts. Stop in today.

IMAGE PLUS & COMMERCIAL IMAGE PLUS CHECKING ($500.00 Minimum to open account)
CONSUMER	CONSUMER APY*	YIELDS ON DAILY BALANCES	COMMERCIAL RATE***
0.30%	0.30% APY*	$150,000.01-OR MORE	0.15%***
0.20%	0.20% APY*	$100,000.01-$150,000.00	0.10%***
0.10%	0.10% APY*	$25,000.01-$100,000.00	0.05%***
0.10%	0.10% APY*	$10,000.01-$25,000.00	0.05%***
0.05%	0.05% APY*	$1000.01-$10,000.00	0.05%***
0.05%	0.05% APY*	.00- $1000.00	0.05%***
* AT OUR DISCRETION, WE MAY CHANGE THE INTEREST RATE ON YOUR ACCOUNT
*****IMPOSITION OF FEES COULD REDUCE EARNINGS ON THE ACCOUNT*****
***PLEASE CONTACT A STAFF MEMBER FOR APPLICABLE TERMS & CONDITIONS***