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 February 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 01/30/2012 -- 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 01/30/2012 -- 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 01/30/2012 -- Rates May Change Weekly

Term	APY	Rate	Minimum
6 Months	0.44%	0.44%	$500
12 Months	0.55%	0.55%	$500
24 Months	0.87%	0.87%	$500
60 Months	1.72%	1.73%	$500

We'll meet or beat other Rates on comparable terms! 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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