Current Rates

Type	Min. Balance	APY*	Interest Rate	Min. to Open
Savings	$100	0.90%	0.89%	$100
Holiday Club	$5	1.50%	1.48%	$5
Now Accounts	$500	0.25%	0.25%	$250
Reward Checking	$0	0.80%**	0.79%	$100

You must maintain the required minimum balance each day in the account to obtain the disclosed annual percentage yield.

*Annual Percentage Yield

**0.80% Annual Percentage Yield (APY) paid on all balances when minimum requirements are met. If you do not meet the requirements per cycle your account will still function as a free checking account earning 0.50% APY; however, it will not receive ATM refunds for that period. Rates as of July 22, 2010. We may change the interest rate and APY at any time after the account is opened. No minimum balance required; however, you must deposit a minimum of $100 to open this account. Available to Personal Accounts only. No monthly service charge.

Money Market Fund Deposit Accounts

Min. Balance	APY*	Interest Rate
0.00–2,499.99	0.00%	0.00%
2,500.00–9,999.99	0.25%	0.25%
10,000.00–24,999.99	0.50%	0.50%
25,000.00–99,999.99	0.80%	0.80%
100,000.00 and over	1.15%	1.15%

Minimum opening balance - $2,500.00. Annual percentage yield is based on average daily collected balance. Variable rates are subject to change without notice.

All money market fund deposit accounts will compound monthly.

*Annual Percentage Yield

Individual Retirement Accounts

Term	Interest Posted	APY*	Interest Rate	Min. to Open
1 Year	Quarterly	1.45%	1.44%	$1,000
18 Month	Quarterly	1.60%	1.59%	$1,000
2 Year	Quarterly	1.85%	1.83%	$1,000
3 Year	Quarterly	2.15%	2.13%	$1,000
5 Year	Annual	2.70%	2.70%	$1,000

*Annual percentage yield based on minimum opening balance. APY assumes principal and interest will remain on deposit for full term. Distributions will reduce earnings. According to IRS you may incur penalties for premature withdrawals.

All quarterly certificates will compound daily. All annual certificates will compound annually.