Share and Share Certificate Rates

APY*s shown below are those in effect as of January 31, 2012, and may be subject to change at any time.

Description	Minimum Balance	Rate	APY*
Regular Share	$5	0.200%	0.200%
Money Market Plus

Tier 1	$5,000 - $19,999	0.200%	0.200%
Tier 2	$20,000 - $49,999	0.234%	0.234%
Tier 3	$50,000 +	0.289%	0.289%
Optima Money Market	$100,000	0.200%	0.200%

High Flying Checking

Minimum Deposit	Dividend Rate	Min. APY*	Max. APY*
$0 - $15,000	2.250%	2.273%	2.273%
$15,000.01 - $250,000	0.500%	2.273%	0.607%
Non-qualifying (See Disclosure)	0.050%	0.050%	0.050%

Minimum balance to open is $1,000. For those under age 18, the minimum is $250. For jumbo certificates, minimum is $100,000.

Term	Divdend Rate $0.00 - $99,999	APY $0.00 - $99,999	Divident Rate $100,000+	APY $100,000+
3 Month	0.200%	0.200%	0.238%	0.238%
6 Month	0.260%	0.260%	0.370%	0.371%
12 Month	0.409%	0.410%	0.576%	0.578%
18 Month	0.489%	0.490%	0.602%	0.604%
24 Month	0.638%	0.640%	0.898%	0.901%
36 Month	0.916%	0.919%	1.223%	1.229%
48 Month	1.144%	1.149%	1.381%	1.388%
60 Month	1.411%	1.418%	1.658%	1.669%

$20 minimum deposit required. Direct deposit option requires minimum $20 per month.

Description	Rate	APY*
Without Direct Deposit	1.30%	1.31%
With Monthly Direct Deposit	1.30%	1.31%

HSA Balance	Rate	Minimum APY*	Maximum APY*
$0 - $999	0.200%	0.200%	0.200%
$1000 - $9,999	2.000%	0.401%	1.867%
$10,000 - $14,999	2.500%	1.867%	2.087%
$15,000 - $24,999	3.000%	2.087%	2.469%
$25,000 - $1,000,000	4.000%	2.469%	4.034%

Funds earn rate for that tier; APY depends on balance in each tier.

*APY = Annual Percentage Yield