Regular Certificate Shares
Term	APY Rate		Minumum	Penalty for Early Withdrawal
6 Months	.15%		$1,000	30 days dividends
1 Year	.25%		$1,000	30 days dividends
IRA Certificates
1 Year	.25%		$1,000	30 days dividends
2.5 Year	.35%		$1,000	90 days dividends
CD Specials

Rates are subject to change without notice. Above rates effective January 18, 2012.