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Deposit Rates

Program	Term	Minimum Daily Balance to earn APY	APY
Certificates of Deposit* (Effective: Monday, September 06, 2010)
CD's	6 months	$2,500.00	1.250%
	1 year	$500.00	1.250%
	18 months	$500.00	1.500%
	2 years	$500.00	2.000%
	3 years	$500.00	2.500%
	4 years	$500.00	2.500%
	5 years	$500.00	2.500%
*Annual Percentage Yield (APY) and rate are subject to change without notice. Substantial penalty for early withdrawal. Fees could reduce the earnings on the account.

Program	Minimum Daily Balance to earn APY	APY
Checking and Savings Accounts* (Effective: Monday, September 06, 2010)
Passbook Savings Account	$10.00	0.500%

Statement Savings Account	$10.00	0.500%

Money Market Account	$2,500.00	0.250%
	$25,000.00	0.750%
	$75,000.00	1.250%

NOW Checking	$10.00	0.100%
*Annual Percentage Yield (APY) subject to change. Minimum deposit of $10.00 required to open a NOW Account or Savings Account. Minimum deposit of $2,500.00 required to open a Money Market Account. Minimum balance of $10.00 required to obtain APY on NOW, Savings or Money Market Accounts. Fees could reduce the earnings on the account.

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