Savings Rates:

Savings Rates:

Your Savings Federally Insured to at least $250,000 and backed by the full faith and credit of the United States Government. APY = Annual Percentage Yield

Rates as of May 1, 2012 -- Rates May Change Monthly

Savings	Club	IRA Daily
Minimum Balance to Earn Dividends:
$100	$0	$0
APY -- Rate	APY -- Rate	APY -- Rate
0.20%  --  0.20%	0.30%  --  0.30%	0.30%  --  0.30%

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Money Market Accounts:

Rates as of 5/14/12 -- Rates Subject to Change Weekly

Minimum Balances to Earn Dividends:
$5,000	$25,000 or more
APY -- Rate	APY -- Rate
0.20%  --  0.20%	0.65%  --  0.65%

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Money Market 'like' Checking Account:

Rates as of 5/14/12 -- Rates Subject to Change Weekly

Minimum Balances to Earn Dividends:
$5,000	$25,000 or more
APY -- Rate	APY -- Rate
0.15%  --  0.15%	0.50%  --  0.50%

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Regular Share Certificates and IRA Certificates:

Rates as of 5/14/12 -- Rates May Change Weekly

Term	APY	Rate	Minimum
6 Months	0.40%	0.40%	$500
12 Months	0.50%	0.50%	$500
24 Months	1.20%	1.19%	$500
36 Months	0.87%	0.87%	$500
60 Months	1.43%	1.42%	$500

We will do our best to meet or beat other institutions on comparable certificate terms. Some rates we will not be able to meet. Ask for details.

Substantial Interest Penalty for Early Withdrawal. Account fees may affect APY.

Contact staff for additional information and/or a Truth-In-Savings Disclosure.

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For the most current and up to date savings rates please call:

Local: 315-445-2300
Long Distance: 800-219-2132
or Contact Us Online

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