DEPOSIT RATES AND ANNUAL PERCENTAGE YIELDS (APY)
EFFECTIVE: May 21, 2013

This Rate Chart contains information about interest rates and annual percentage yields for some of the accounts we offer. 

Account Product Name	Minimum Opening Deposit	Minimum Balance to Obtain Annual Percentage Yield	Interest Rate	Annual Percentage Yield
91 Day CDa	$1000.00	$1000.00c	0.20%	0.20%
182 Day CDa	$1000.00	$1000.00c	0.30%	0.30%
12 Month CDa	$1000.00	$1000.00c	0.50%	0.50%
18 Month CDa	$1000.00	$1000.00c	0.55%	0.55%
24 Month CDa	$1000.00	$1000.00c	0.75%	0.75%
36 Month CDa	$1000.00	$1000.00c	0.90%	0.90%
IRA-12 Month Certificate of Deposita	$1000.00	$1000.00c	0.50%	0.50%
IRA-30 Month Certificate of Depositab	$1000.00	$1000.00c	0.90%	0.90%
IRA-60 Month Certificate of Depositab	$1000.00	$1000.00c	1.34%	1.35%
NOW Checking Accountb	$100.00	$500.00c	0.05%	0.05%
Senior Plus Checking Accountb	$100.00	$500.00c	0.05%	0.05%
Money Market Savings Accountb	$1000.00	$1000.00c
Daily Balances of:
$1,000 - $9,999.99			0.20%	0.20%
$10,000 - $24,999.99			0.25%	0.25%
$25,000 - $49,999.99			0.30%	0.30%
$50,000 - $99,999.99			0.35%	0.35%
$100,000  And Up			0.40%	0.40%
Thrift Savingsb	$25.00	$.01c	0.05%	0.05%
Christmas Clubb			0.10%	0.10%
Statement Savingsb	$100.00	$.01c	0.10%	0.10%

    a)  A penalty may be imposed for early withdrawal.

    b)  The interest rate and annual percentage yield may change after account opening.

    c)  Daily Balance.  The amount of the principal in the account each day.

Fees could reduce the earnings on the account.
Interest Rates and Annual Percentage Yields are current as of 5-21-2013.
For current rate information call (952) 873-2296

MEMBER FDIC

ALL DEPOSITS INSURED UP TO $250,000.00.