RATES EFFECTIVE AS OF 07/16/10 - SUBJECT TO CHANGE WITHOUT NOTICE


Savings Rates

Certificates of Deposit
RATE SCHEDULE - CERTIFICATE ACCOUNTS
Minimum $1,000.00 Deposit
Dividends Compounded Quarterly

TermAPRAPY
90 Days 0.60% 0.60%
6 Months 0.95% 0.95%
12 Months 1.20% 1.21%
18 Months 1.30% 1.31%
24 Months 1.50% 1.51%
36 Months 2.00% 2.02%

Jumbo Certificates
Minimum $100,000.00 Deposit
Dividends Compounded Quarterly

TermAPRAPY
48 Months 2.10% 2.12%

Regular Savings Account
Minimum Opening Deposit - $5.00
Minimum Balance to Earn the Stated APY - $100.00

AmountAPY
$100.00 to $4,999.00 0.40%
$5,000.00 to $9,999.00 0.65%
$10,000.00 and UP 0.90%
Christmas Club Account 0.40%
Vacation Club Account 0.40%
Fund Management Account 0.40%

Draft Account Checking
Minimum Opening Deposit - $10.00
Minimum Balance to Earn the Stated APY - $100.00
Service Fee - $0

AmountAPY
$100.00 and Above 0.25%

Penalty for early withdrawal on all certificate of deposit accounts
6 Month CD - one month interest earnings
12 Month CD - three months interest earnings

ALL RATES SUBJECT TO CHANGE WITHOUT NOTICE

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