Savings/CD/IRA Accounts Rates

Regular Savings Accounts

Effective July 31, 2009

Terms	Rate	Annual Percentage Yield
Tiered Money Market $10.00 - $2,499.99	0.25%	0.25%
Tiered Money Market $2,500.00 - $9,999.99	0.74%	0.75%
Tiered Money Market $10,000.00 - $49,999.99	0.98%	1.00%
Tiered Money Market $50,000.00 - $99,999.99	1.23%	1.25%
Tiered Money Market $100,000.00 and over	1.23%	1.25%
Passbook Savings Account $10.00 Minimum Deposit	0.25%	0.25%
Statement Savings Account and School Savings Account $10.00 Minimum Deposit	0.25%	0.25%
SMART Account $10.00 Minimum Deposit*	0.25%	0.25%
NOW Account $10.00 Minimum Deposit	0.00%	0.00%
Club Account $10.00 Minimum Deposit	0.25%	0.25%

Minimum deposit is required to open the account. Fees or other conditions could reduce the earnings on the accounts shown above.

*To qualify, you must maintain $5,000 in a deposit account, mortgage, equity, or investment account.

Certificates of Deposit / Individual Retirement Accounts

CD / IRA Rate Information
Effective March 8, 2010

Terms	Rate	ANNUAL PERCENTAGE YIELD
6 Month Certificate * $2,500.00 Minimum Deposit	1.13%	1.15%**
9 Month Certificate *** $2,500.00 Minimum Deposit	1.91%	1.95%**
12 Month Certificate $500.00 Minimum Deposit	1.27%	1.30%**
18 Month Certificate $500.00 Minimum Deposit	1.52%	1.55%**
22 Month Certificate *** $2,500.00 Minimum Deposit	1.95%	2.00%**
24 Month Certificate $500.00 Minimum Deposit	1.86%	1.90%**
30 Month Certificate $500.00 Minimum Deposit	2.10%	2.15%**
60 Month Certificate $500.00 Minimum Deposit	2.34%	2.40%**
IRA Variable 18 Month Certificate $50.00 Minimum Deposit	1.52%	1.55%**

A substantial penalty is imposed for early withdrawal on certificates.

* Annual Percentage Yield is based on the assumption that the account will be rolled over at maturity for the same term and remain on deposit for one year. The existing interest rate may not be available at maturity.
** APY is earned only if Interest remains in account. A withdrawal of the interest earned will reduce future earnings.
*** This is a limited time offer and may be withdrawn at any time.

Minimum deposit is required to open the account. Fees or other conditions could reduce the earnings on the accounts shown above.