Savings Rates

Rates effective JANUARY 1, 2017
Account Disclosure Rate Supplement

TERM SHARE/ I.R.A. CERTIFICATES (ANNUAL YIELDS REFLECT MONTHLY COMPOUND ) Term Min Balance Nominal Rate APY* 06 Month $1000 - $2499.99 0.20% 0.20% 12 Month $1000 - $2499.99 0.25% 0.25% 24 Month $1000 - $2499.99 0.40% 0.40% 36 Month $1000 - $2499.99 0.50% 0.50% 06 Month $2500 - $9999.99 0.25% 0.25% 12 Month $2500 - $9999.99 0.45% 0.45% 24 Month $2500 - $9999.99 0.50% 0.50% 36 Month $2500 - $9999.99 0.60% 0.60% 06 Month $10,000 - $49,999.99 0.30% 0.30% 12 Month $10,000 - $49,999.99 0.50% 0.50% 24 Month $10,000 - $49,999.99 0.60% 0.60% 36 Month $10,000 - $49,999.99 0.70% 0.70% 06 Month $50,000 - $100,000 0.35% 0.35% 12 Month $50,000 - $100,000 0.55% 0.55% 24 Month $50,000 - $100,000 0.70% 0.70% 36 Month $50,000 - $100,000 0.80% 0.80%

JUMBO CD $100,000.00 Term Min Balance Nominal Rate APY* 06 Month $100,000.00 0.40% 0.40% 12 Month $100,000.00 0.60% 0.60% 24 Month $100,000.00 0.75% 0.75% 36 Month $100,000.00 0.85% 0.85% 48 Month $100,000.00 1.00% 1.00% 60 Month $100,000.00 1.20% 1.21% MINIMUM BALANCE REQUIRED TO OBTAIN DISCLOSED ANNUAL PERCENTAGE YIELD A penalty may be imposed for early withdrawal. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. EFFECTIVE JANUARY 1, 2017 SUPER SAVER MONEY MARKET ACCOUNT Min Deposit Nominal Rate APY* $2500 - $9999.99  0.10% 0.10% $10,000 - 24,999.99  0.10% 0.15% $25,000 - 49,999.99  0.15% 0.20% $50,000 - OVER  0.20% 0.25%

Super Saver Accounts are variable rate accounts and the rate and APY are subject to change afteraccount is opened. Must have and maintain the above minimum balance to obtain the disclosed annual percentage yields. Dividends paid and compounded monthly.

EFFECTIVE JANUARY 1, 2017

$5.00 Minimum to open and maintain a Regular Share or Holiday Share. $100.00 minimum deposit to open an I.R.A. account. $25.00 minimum deposit to open share draft account. Must have and maintain a balance of $1,000.00 or more to obtain the disclosed annual percentage yield.

EFFECTIVE JANUARY 1, 2017
*As of last dividend declaration date 31DEC16 for the quarter ending 31DEC16 Dividends calculated daily, compounded and paid quarterly. These accounts are variable rate accounts and the rate and APY are subject to change after account is opened.

**Club Dividends are Paid Annually on December 31st, 2017. Maximum Club Account Balance of $1,378. 52 Week Club Enrollment Ends 1/30/17

Rates Subject To Change Without Notice. 
*APY is the Annual Percentage Yield.