Share and Share Certificate Rates

APY*s shown below are those in effect as of May 15, 2012, and may be subject to change at any time.

Daily Access Accounts

Description	Minimum Balance	Rate	APY*
Regular Share	$5	0.128%	0.128%
Money Market Plus
Tier 1	$5,000 - $19,999	0.179%	0.179%
Tier 2	$20,000 - $49,999	0.218%	0.218%
Tier 3	$50,000 +	0.275%	0.275%
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%

IRA & Regular Share Certificates

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

Regular Share Certificates and IRA's

Term	Divdend Rate $0.00 - $99,999	APY $0.00 - $99,999	Divident Rate $100,000+	APY $100,000+
3 Month	0.180%	0.180%	0.214%	0.214%
6 Month	0.250%	0.250%	0.334%	0.335%
12 Month	0.389%	0.390%	0.514%	0.515%
18 Month	0.449%	0.450%	0.525%	0.526%
24 Month	0.598%	0.600%	0.765%	0.767%
36 Month	0.807%	0.809%	1.011%	1.015%
48 Month	1.065%	1.069%	1.230%	1.236%
60 Month	1.302%	1.308%	1.487%	1.495%

Variable IRAs

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

Description	Rate	APY*
Without Direct Deposit	0.128%	0.128%
With Monthly Direct Deposit	2.00%	2.018%

Health Savings Account (HSA)

HSA Balance	Rate	Minimum APY*	Maximum APY*
$0 - $999	0.130%	0.130%	0.130%
$1000 - $9,999	2.000%	0.130%	1.813%
$10,000 - $14,999	2.500%	1.813%	2.042%
$15,000 - $24,999	3.000%	2.042%	2.425%
$25,000 - $1,000,000	4.000%	2.425%	3.961%

Tiered Savings Account

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

Tiered Balance	Rate	Minimum APY*	Maximum APY*
$0 - $49,999	0.300%	0.300%	0.300%
$50,000 - $900,000	0.600%	0.300%	0.585%

*APY = Annual Percentage Yield