Regular Share Rates
The dividend rates for Regular Share and Share Draft accounts are determined by the Board of Directors. Dividends on Regular Share accounts are paid quarterly on the last day of the quarter. Share Draft dividends are paid monthly on the last day of the month.

The rates shown are as of January 1, 2012.

Account Type Rate APY* Minimum To Earn A Dividend

Regular Shares 0.35% 0.35% $200 Average Daily Balance.

Share Draft 0.20% 0.20% $500 Average Daily Balance

IRA Shares Account 1.75% 1.76% -

Vacation Club 0.35% 0.35% $200 Average Daily Balance.

Certificate Rates
The dividend rates for Certificates of Deposit are determined by the Board of Directors. Dividends are paid every 90 days. If the CD matures during a 90 day period (for example a 7 month term), the remaining dividend will be paid at maturity.

The rates shown are as of January 1, 2012.

Term Rate APY*

06 Months 0.65% 0.65%

12 Months 0.90% 0.90%

24 Months 1.29% 1.30%