Share Rates Type Annual Percentage Rate Annual Percentage Yield Notes Rates Effective 04-01-2011     Share Account .50% .50% $5.00 min. deposit, $50.00 min. for dividends Christmas Club .50% .50% $5.00 min. deposit. Share Draft(Checking) .25% .25% No minimum, $100.00 min. for dividends IRA 1.00% 1.00% $500.00 min. deposit           Certificates of Deposit Term Annual Percentage Rate Annual Percentage Yield Notes Rates Effective 04-01-2011     6 Month .50% .50% $1,000.00 min. deposit 1 Year .75% .75% $1,000.00 min. deposit 2 Year .75% .75% $2,500.00 min. deposit