Rates: IRAs

Interest Rates and Annual Percentage Yields are current as of                       February 7, 2012 through February 13, 2012

Product Name

Minimum
Opening Deposit

Interest Rate

APY*

IRA CD - 18 Month Variable

$100.00

up to $9,999.99

0.75%

0.75%

$10,000.00-50,000.00

0.80%

0.80%

$50,000.01 and up

0.90%

0.90%

IRA CD - 30 Month

$500.00

up to $9,999.99

1.05%

1.05%

$10,000.00-50,000.00

1.10%

1.10%

$50,000.01 and up

1.20%

1.20%

IRA CD - 60 Month

$500.00

up to $9,999.99

1.90%

1.91%

$10,000.00-50,000.00

1.95%

1.96%

$50,000.01 and up

2.05%

2.06%

*The Annual Percentage yield for all IRA's with a term of one year or longer is calculated assuming annual compounding.  **A penalty may be imposed for early withdrawal.