Rates effective February 2, 2012

CERTIFICATE SPECIALS
	35 Month Fixed  Regular & Retirement $100 minimum
	Interest Rate	APY
$60,000 - over	1.09%	1.10%
$30,000 - $59,999	1.09%	1.10%
$10,000 - $29,999	1.09%	1.10%
Min. - $9,999	1.09%	1.10%
Less than minimum balance earns no interest. Early withdrawal penalty may be imposed on certificates.

  

PRIME SAVER	Interest Rate	APY
$60,000 - over	.35%	.35%
$30,000 - $59,999	.20%	.20%
$10,000 - $29,999	.20%	.20%
$2,500 - $9,999	.10%	.10%
$100 - $2,499	.10%	.10%
$2,500 minimum to open. Below $100 earns no interest. The rate may change after the account is opened. Presidential Checking Account is required.

MONEY MARKET	Interest Rate	APY
$60,000 - over	.35%	.35%
$30,000 - $59,999	.20%	.20%
$10,000 - $29,999	.20%	.20%
$2,500 - $9,999	.20%	.20%
$2,500 minimum to open. Less than minimum earns NOW rate. Less than $100 earns no interest. The rate may change after the account is opened. Presidential Checking Account is required.

FIXED RATE CERTIFICATES	3 Months		6 Months
$1,000 minimum to open.	Interest Rate	APY	Interest Rate	APY
$60,000 - over	0.25%	0.25%	0.50%	0.50%
$30,000 - $59,999	0.25%	0.25%	0.50%	0.50%
$10,000 - $29,999	0.25%	0.25%	0.50%	0.50%
Min. - $9,999	0.25%	0.25%	0.50%	0.50%
Less than minimum balance earns no interest. Early withdrawal penalty may be imposed on certificates.

FIXED RATE CERTIFICATES
including retirement certificates. $100 minimum to open	12-17 Month		18-36 Month		37-47 Month		48-60 Month
	Interest Rate	APY	Interest Rate	APY	Interest Rate	APY	Interest Rate	APY
$60,000 - over	.75%	.75%	.80%	.80%	1.00%	1.00%	1.00%	1.00%
$30,000 - $59,999	.75%	.75%	.80%	.80%	1.00%	1.00%	1.00%	1.00%
$10,000 - $29,999	.75%	.75%	.80%	.80%	1.00%	1.00%	1.00%	1.00%
Min. - $9,999	.75%	.75%	.80%	.80%	1.00%	1.00%	1.00%	1.00%
Less than minimum balance earns no interest. Early withdrawal penalty may be imposed on certificates.

VARIABLE RATE CERTIFICATES	9 Month Smart Saver		IRA - 7 Month
$100 minimum to open.  9 mo. regular or retirement; 7 mo. retirement only	Interest Rate	APY	Interest Rate	APY
$60,000 - over	.25%	.25%	1.09	1.10
$30,000 - $59,999	.06%	.06%	1.09	1.10
$10,000 - $29,999	.06%	.06%	1.09	1.10
Min. - $9,999	.06%	.06%	1.09	1.10
Less than minimum balance earns no interest. Variable rate account. The rate may change after the account is                   opened. Maturity - 9 months from initial or last deposit. Early withdrawal penalty may be imposed on certificates.

SAVINGS ACCOUNTS	Interest Rate	APY
$60,000 - over	0.25%	0.25%
$30,000 - $59,999	0.10%	0.10%
$10,000 - $29,999	0.05%	0.05%
Min. - $9,999	0.05%	0.05%
$10 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened.

iSave KIDS ACCOUNTS	Interest Rate	APY
$60,000 - over	0.25%	0.25%
$30,000 - $59,999	0.10%	0.10%
$10,000 - $29,999	0.05%	0.05%
Min. - $9,999	0.05%	0.05%
$10 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened.

CLUB ACCOUNTS	Interest Rate	APY
$60,000 - over	0.25%	0.25%
$30,000 - $59,999	0.10%	0.10%
$10,000 - $29,999	0.05%	0.05%
Min. - $9,999	0.05%	0.05%
$10 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened.

NOW ACCOUNTS	Interest Rate	APY
$60,000 - over	0.05%	0.05%
$30,000 - $59,999	0.05%	0.05%
$10,000 - $29,999	0.05%	0.05%
Min. - $9,999	0.05%	0.05%
$100 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened.

COMMERCIAL MONEY MARKET	Interest Rate	APY
$1,000,000 - over	.50%	.50%
$500,000 - $999,999	.30%	.30%
$100,000 - $499,999	.20%	.20%
$2,500 - $99,999	.20%	.20%
$2,500 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened.

APY = Annual Percentage Yield

Rates subject to change.