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Rates Effective as of 06/30/10 and subject to change


Checking Rates
Type of Account Minimum Opening Deposit Rate Interest Payment APY*
Interest Checking $1,000.00 0.08% Monthly (4) (5) 0.08%
Variable Interest Checking $100.00      
under 10,000   0.08% Monthly (4) (5) 0.08%
10,000 -24,999   0.08% Monthly (4) (5) 0.08%
25,000 - 49,999   0.08% Monthly (4) (5) 0.08%
50,000 - 99,000   0.08% Monthly (4) (5) 0.08%
100,000 or more   0.08% Monthly (4) (5) 0.08%
Checking Plus Gold $100.00 0.08% Monthly (4) (5) 0.08%
Business Interest Checking $1,000.00 0.08% Monthly (4) (5) 0.08%
Money Market Account
(Business or Personal)
       
under 2,500 $2,500.00 0.08% Monthly (4) (5) 0.08%
2,500 to 24,999 $2,500.00 0.10% Monthly (4) (5) 0.10%
25,000 - 49,999 $2,500.00 0.20% Monthly (4) (5) 0.20%
50,000 - 99,999 $2,500.00 0.40% Monthly (4) (5) 0.40%
100,000 or more $2,500.00 0.65% Monthly (4) (5) 0.65%

*APY = Annual Percentage Yield
(1) Interest is paid at least annually
(2) A penalty may be imposed for early withdrawal
(3) Variable Interest Checking No Longer Offered
(4) The interest rate and annual percentage yield may change after account opening
(5) Fees may reduce earnings for account

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Savings Rates
Type of Account Minimum Opening Deposit Rate Interest Payment APY*
Regular Savings $100.00 0.08% Quarterly (4) (5) 0.08%
Minor/Trustee Savings $20.00 0.08% Quarterly (4) (5) 0.08%
Club Savings $5.00 0.08% Quarterly (4) 0.08%
Business Savings $100.00 0.08% Quarterly (4) (5) 0.08%

*APY = Annual Percentage Yield
(1) Interest is paid at least annually
(2) A penalty may be imposed for early withdrawal
(3) Variable Interest Checking No Longer Offered
(4) The interest rate and annual percentage yield may change after account opening
(5) Fees may reduce earnings for account

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Certificate of Deposit (CD) Rates
Type of Account Minimum Opening Deposit Rate Interest Payment APY*
Time Certificate of Deposit        
7 to 59 days $2,500.00 0.15% At Maturity (2) 0.16%
60 to 89 days $1,000.00 0.20% At Maturity (2) 0.21%
90 to 179 days $1,000.00 0.25% At Maturity (2) 0.26%
180 days to 1 year $1,000.00 0.35% At Maturity (2) 0.36%
1 year to 2 years $500.00 0.70% Annually (1) (2) 0.70%
      Monthly (2) 0.71%
      Quarterly (2) 0.71%
      Semi-Annual (2) 0.71%
2 years to 3 years $500.00 1.10% Annually (1) (2) 1.10%
      Monthly (2) 1.11%
      Quarterly (2) 1.11%
      Semi-Annual (2) 1.11%
3 years to 4 years $500.00 1.60% Annually (1) (2) 1.60%
      Monthly (2) 1.61%
      Quarterly (2) 1.61%
      Semi-Annual (2) 1.61%
4 years $500.00 2.00% Annually (1) (2) 2.00%
      Monthly (2) 2.01%
      Quarterly (2) 2.01%
      Semi-Annual (2) 2.01%

*APY = Annual Percentage Yield
(1) Interest is paid at least annually
(2) A penalty may be imposed for early withdrawal
(3) Variable Interest Checking No Longer Offered
(4) The interest rate and annual percentage yield may change after account opening
(5) Fees may reduce earnings for account

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