*Current Rates are Subject to Change*
Rates as of July 30, 2010

 Savings_Rates    Certificates_Rates     Mortgage Loan_Rates

Savings Rates

Account Name	Interest Rate	Annual Percentage Yield	Minimum Deposit To Open
Savings	.75%	.75%	$20.00
Christmas Clubs	.75%	.75%	$20.00
Now Checking	.25%	.25%	$20.00

 *Current Rates are Subject to Change

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     Certificate Rates

 

Account Name	Minimum Deposit	Interest Rate	APY*
30-80 Day CD**	$500	.75%	.75%
81-130 Day CD**	$500	.75%	.75%
131-181 Day CD**	$500	.75%	.75%
6 Month CD	$500	.75%	.75%
9 Month CD	$500	1.00%	1.00%
12 Month	$500	1.24%	1.25%
18 Month	$500	1.49%	1.50%
24 Month CD	$500	1.735%	1.75%
30 Month	$500	1.98%	2.00%
38-50 Month Principal Plus CD***	$500	2.47%	2.50%
51-64 Month Principal Plus CD***	$500	2.71%	2.75%
12 Month Traditional IRA	$100	2.47%	2.50%
12 Month Roth IRA	$100	2.47%	2.50%

 *Current Rates are Subject to Change*

* APY means Annual Percentage Yield.Rates are subject to change without notice.Rates are fixed for the term of the CDs.There is a substantial penalty for early withdrawal of principal.You must maintain the minimum deposit amount in the account each day to earn the disclosed APY.

** The original term on the short term CDs can be selected by you between the range listed and you will be paid the corresponding rate. After the first term, the account will automatically renew for 90 days and will earn the 90-day CD rate.Interest is paid only at maturity.

*** Deposits in a minimum amount of $100.00 may be added to these accounts without extending the maturity.There is a one time per term option to request a rate change without extending the maturity.

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