RatesFixed Rate Share CertificatesRates effective January 27, 2012| Account Type | Minimum Account Balance | Dividend Rate | Annual Percentage Yield | | | 6 Month Term | $1,000 | .40% | .40% |  | | | 12 Month Term | $1,000 | .70% | .70% | | | | 18 Month Term | $1,000 | .75% | .75% | | | | 24 Month Term | $1,000 | .95% | .95% | | | | 36 Month Term | $1,000 | 1.20% | 1.20% | | | | 48 Month Term | $1,000 | 1.45% | 1.46% | | | | 60 Month Term | $1,000 | 2.05% | 2.06% | | | | The Wedding Registry 12 Month Term | $0 | .95% | .95% | | |
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