Savings Accounts

Account Type Minimum Deposit Dividend Rate APY* Credited

Regular Shares Avg. Daily /Quarterly   $2,500 - $4,999.99 0.05% 0.05%     $5,000 & Above 0.15% 0.15%

Christmas $5.00 0.50% 0.50% Avg. Daily /Quarterly

United Sharedraft - 0.10% 0.10% Avg. Daily /Monthly Patriotic Sharedraft - 0.15% 0.15% Avg. Daily /Monthly

Youth Savings $5.00 0.75% 0.75% Avg. Daily /Monthly

IRA Share Accounts (Roth & Traditional) Balance Up To $10,000.00 0.25% 0.25% Avg. Daily /Quarterly $10,000.01 -$19,999.99 0.50% 0.50%   $20,000.00 & Up 0.75% 0.75%

Share Certificates & **IRA Certificates

Term Minimum Balance Dividend Rate APY*

6 Months $500 0.25% 0.25%   1 Year $500 0.55% 0.55%   *2 Years $500 0.65% 0.65%   *5 Years $500 0.95% 0.95%

Rates effective as of February 01, 2013. Rates are subject to change. All rates are shown as *APY = Annual Percentage Yield.

**IRA Certificates - $500.00 Minimum deposit.  Subject to penalty for early withdrawals *One Time "Step-up" is offered on 2 and 5 years terms.