Share Rates     Rates as of January 18, 2012   Dividend Rate Annual Percentage Yield(APY) Minimum Opening Balance Minimum Required Balance to Earn Dividends Dividend Compounding and Crediting Account Limitations Account Limitations               Regular Shares 0.10 0.100% $20 $100 Monthly See Disclosure  Below Holiday Clubs 0.15% 0.150% $5 $100 Monthly Early withdrawal fee applies after seven days. Matures Oct 31st Tax Clubs 0.15% 0.150% $5 $100 Monthly Early withdrawal fee applies after seven days. Matures Feb 28th IRA Shares 0.25% 0.250 $50 $100 Monthly   Invest Accounts             $1,000-$9,999 0.16% 0.160% $1,000 $1,000 Monthly See Disclosure  Below $10,000-$49,999 0.29% 0.290% $1,000 $1,000 Monthly See Disclosure  Below $50,000- $99,999 $100,000+ 0.36% 0.38% 0.361% 0.381% $1,000 $1,000 Monthly See Disclosure  Below Interest Checking             $1,000-$2,499 0.10% 0.100% $1,000 $1,000 Monthly See Disclosure  Below $2,500-$9,999 0.20% 0.200% $1,000 $1,000 Monthly See Disclosure  Below $10,000 + 0.30% 0.300% $1,000 $1,000 Monthly See Disclosure  Below Business Checking n/a n/a $100 n/a n/a   Checking n/a n/a $100 n/a n/a   Union Local Checking 0.40% 0.402% $100 $50,000 Monthly See Disclosure  Below IRA & Share Certificates   APY         3 Month Not currently available   $500 $500 Monthly See Disclosure  Below 6 Month 0.27% 0.270% $500 $500 Monthly See Disclosure  Below 12 Month 0.41% 0.411% $500 $500 Monthly See Disclosure  Below 18 Month 0.42% 0.421% $500 $500 Monthly See Disclosure  Below 24 Month 0.71% 0.712% $500 $500 Monthly See Disclosure  Below 36 Month 1.01% 1.015% $500 $500 Monthly See Disclosure  Below 48 Month 1.28% 1.288% $500.00 $500.00 Monthly See Disclosure  Below 60 Month 1.53% 1.541% $500.00 $500.00 Monthly See Disclosure  Below Jumbo Share/IRA Certificates   APY         12 Month 0.46% 0.461% $50,000 $50,000 Monthly See Disclosure  Below 24 Month 0.77% 0.773% $50,000 $50,000 Monthly See Disclosure  Below 36 Month 1.07% 1.075% $50,000 $50,000 Monthly See Disclosure  Below 48 Month 1.31% 1.318% $50,000 $50,000 Monthly See Disclosure  Below 60 Month 1.55% 1.561% $50,000 $50,000 Monthly See Disclosure  Below Jumbo Plus Share/IRA Certificates   APY         12 Month 0.48% 0.481% $100,000 $100,000 Monthly See Disclosure  Below 24 Month 0.79% 0.793% $100,000 $100,000 Monthly See Disclosure  Below 36 Month 1.09% 1.096% $100,000 $100,000 Monthly See Disclosure  Below 48 Month 1.32% 1.328% $100,000 $100,000 Monthly See Disclosure  Below 60 Month 1.57% 1.581% $100,000 $100,000 Monthly See Disclosure  Below               Truth in Savings Disclosure as of 1-18-2012