Rates updated 01/30/2012 and are current as of today.

Account	Interest Rate	*APY
Now Account	0.05	0.05
U.S. Bank Club	0.25	0.25
Money Market Deposit**	0.15	0.15
Money Market Deposit Below $2,500**	0.10	0.10
Savings Account	0.10	0.10
Three Month Certificate	0.15	0.15
Six Month Certificate	0.30	0.30
Twelve Month Certificate	0.50	0.50
IRA Accounts	0.50	0.50

*APY is the Annual Percentage Yield - The annual percentage yield assumes that interest will remain on deposit until maturity. A withdrawal will reduce earnings. Penalties may be imposed for withdrawals before maturity.

**Transaction Limitations - Transfer from a Money Market or Savings Account to another account or to third parties by preauthorized, automatic, or telephone or computer transfer are limited to six per statement cycle with no more than three by check, draft, debit card or similar order to third parties.

Rates on NOW Accounts and Money Market Deposit Accounts may change after account opening.

Rates on Certificates of Deposit and IRA Accounts are subject to change at maturity.