Rates effective as of 01/31/2012 Shares Minimum Balance Dividend/ Interest Rate APY* Share Savings $25.00 .15% .15% Share Checking $100/open .05% .05% *APY = Annual Percentage Yield Certificates Minimum Deposit Dividend/ Interest Rate APY* 6-month CD / IRA-CD $1000 .50% .50% 12-month CD/IRA-CD $1000  .65%        .66%  24-month CD / IRA-CD $1000 .85% .85% 36-month CD/ IRA-CD $1000  .61% .61%         Money Market Account $2500 .25% .25% IRA Savings   .50% .50% *APY = Annual Percentage Yield