Deposit Rates

Rates Effective as of September 1, 2010


Certificates of Deposit
Account Type
Minimum Deposit
Interest Rate
Annual Percentage Yield
12 Month Variable Rate*, **
$5,000.00
0.25%
0.25%
91 Day CD*
$1,000.00
1.00%
1.00%
182 Day CD*
$1,000.00
1.25%
1.25%
12 Month CD*
$500.00
1.50%
1.51%
13-23 Month CD*
$500.00
1.50%
1.51%
24-35 Month CD*
$500.00
1.75%
1.76%
36-47 Month CD*
$500.00
2.25%
2.27%
48 Month CD*
$500.00
2.50%
2.52%


Individual Retirement Accounts
Account Type
Minimum Deposit
Interest Rate
Annual Percentage Yield
18 Month IRA*
$50.00
1.50%
1.51%
48 Month IRA*
$1,000.00
2.50%
2.52%


Money Market Deposit Accounts
Account Type
Minimum Deposit
Interest Rate
Annual Percentage Yield
Money Market Deposit Account**
Daily Balance of $2,500 and up
0.50%
0.50%
Money Market Deposit Account**
Daily Balance of $1,000.00**** - $2,499.99
0.50%
0.50%
Minimum Opening Deposit $2,500.00


NOW Accounts
Account Type
Minimum Deposit
Interest Rate
Annual Percentage Yield
NOW Account**
$1,000.00 ***Minimum balance to obtain interest
0.50%
0.50%
Minimum Opening Deposit $1,000.00


Savings Accounts
Account Type
Minimum Deposit
Interest Rate
Annual Percentage Yield
Statement Savings**
$200.00
0.50%
0.50%
Christmas Club*
$5.00
0.75%
0.75%

Fees could reduce earnings on the account.
*A penalty may be imposed for early withdrawal.
**The interest rate and annual percentage yield may change after account opening.
***Daily balance. The amount of the principal in the account each day.
****A $1,000.00 minimum balance is required to obtain stated annual percentage yield.