Certificates Rates

Rates are effective as of May 15, 2013   Certificates Certificate Type Minimum Deposit Dividend Rate ** APY * Term (Months) 3-Month** $500 0.449% 0.45% 3 6-Month** $500 0.499% 0.50% 6 9-Month** $500 0.598% 0.60% 9 1-Year** $500 0.698% 0.70% 12 1-Year SuperShare50** $50,000 0.747% 0.75% 12 1-Year SuperShare 100** $100,000 0.797% 0.80% 12 2-Year** $500 0.846% 0.85% 24 2-Year SuperShare50** $50,000 0.896% 0.90% 24 2-Year SuperShare100** $100,000 0.946% 0.95% 24 3-Year** $500 0.995% 1.00% 36 3-Year SuperShare50** $50,000 1.040% 1.05% 36 3-Year SuperShare100** $100,000 1.094% 1.10% 36 4-Year** $500 1.193% 1.20% 48 4-Year SuperShare50** $50,000 1.242% 1.25% 48 4-Year SuperShare100** $100,000 1.292% 1.30% 48 5-Year** $500 1.390% 1.40% 60 5-Year SuperShare50** $50,000 1.440% 1.45% 60 5-Year SuperShare100** $100,000 1.489% 1.50% 60

Disclosures IRA/Roth Share Certificates are not offered for terms of less than six months. Rates are subject to change without notice. Rate changes are generally posted each Wednesday morning. *APY = Annual Percentage Yield **Subject to early withdrawal penalty. Dividends will be compounded daily and will be credited to your account monthly. For additional information please call us at: 800-782-8782.