Rates

Savings Account Rates

Rates effective as of 5/1/2012

Account Type	Dividend Rate	Annual Percentage Yield
Savings (Prime Shares)	.10%	.10%
Club Savings	.10%	.10%
Dividend Checking (Share Drafts) $500 Min. Balance	.10%	.10%
Escrow Accounts	.10%	.10%
IRA & Health Savings Accounts	.45%	.45%
Christmas Club	.10%	.10%
Advantage Checking* $10,000 Minimum Balance	.40%	.40%

*If balance falls below $10,000 the account will not earn dividends.

Premier Money Market Account ($2,000 Minimum Balance Required)

Rates effective as of 5/1/2012

Average Daily Balance	Dividend Rate	Annual Percentage Yield
Below $2,000	.10%	.10%
$2,000 - $9,999.99	.15%	.15%
$10,000 - $24,999.99	.25%	.25%
$25,000 - $49,999.99	.35%	.35%
$50,000 and Above	.50%	.50%

Money Market dividends will be paid at the prime share dividend rate if the balance falls below the minimum requirement.

Premier Plus Money Market Account ($50,000 Minimum Balance Required)

Rates effective as of 5/1/2012

Average Daily Balance	Dividend Rate	Annual Percentage Yield
Below $50,000	.10%	.10%
$50,000 - $100,000	.50%	.50%
Above $100,000	.65%	.65%

Money Market dividends will be paid at the prime share dividend rate if the balance falls below the minimum requirement.

Certificates*

Share, IRA & Health Savings

Minimum Deposit $500

Rates effective as of 5/1/2012

Terms	Dividend Rate	Annual Percentage Yield
6 months	.20%	.20%
12 months	.30%	.30%
15 months ($10,000 minimum)	.50%	.50%
24 months	.60%	.60%
36 months	.90%	.90%
48 months	1.19%	1.20%
60 months	1.49%	1.50%

* A penalty may be imposed for early withdrawals. Penalties are based upon the original term of the certificate and the amount of the withdrawal. Review certificate product information for details.

For questions regarding our rates, e-mail info@abricu.com or
call (815) 267-7700 or (866) 469-6228.