Henderson Federal Savings Bank

Rates and Fees

Effective Date: 02/02/12 (Rates are Subject to Change.)


Checking Accounts:		Rate	APY
Basic	($100 to open)	None	None
Now	($500 to open)	.35	.35
Freedom	($500 to open)	.40	.40
Super Now	($1,000 to open)	.40	.40


Money Market Deposit	($1,000 to open)	Rate	APY
	$1,000 - $14,999	.40	.40
	$15,000- $49,999	.50	.50
	$50,000- $99,999	.60	.60
	$100,000 & Over	.70	.70


Certificates of Deposit & IRAs	Rate	APY	Compounding
Statement Savings	.40	.40	Quarterly
91 Day Certificate	.45	.45	None
6 Month Certificate	.70	.70	None
9 Month Certificate	.70	.70	None
12 Month Certificate	.80	.80	Quarterly
15 Month Certificate	.80	.80	Quarterly
18 Month Certificate	.90	.90	Quarterly
21 Month Certificate	.90	.90	Quarterly
24 Month Certificate	1.10	1.11	Quarterly
30 Month Certificate	1.20	1.21	Quarterly
36 Month Certificate	1.50	1.51	Quarterly
48 Month Certificate	1.85	1.86	Quarterly
60 Month Certificate	2.20	2.22	Quarterly
Jumbo Certificate (Minimum $90,000.00) - Check for rates

Certificates:
1. Require a penalty for early withdrawal.
2. $500 minimum balance.
3. Automatic Renewal at New Rate.
4. Interest may be paid monthly or quarterly by check or transferred to your checking account or left to accrue in your CD.
5. The APY (Annual Percentage Yield) assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.