RATES

DEPOSIT INTEREST RATES AND ANNUAL PERCENTAGE YIELDS AS OF 3/1/10

Deposit Accounts (Variable Rate Accounts)
	Rate	APY
Regular Savings ($25.00 minimum)	0.25%	0.25%
NOW Accounts ($1,000.00 minimum)	0.25%	0.25%
Super NOW Accounts
$1,000.00-2,499.99	0.25%	0.25%
$2,500.00 and up	0.30%	0.30%
Money Market Savers Account
$1,000.00-2,499.99	0.25%	0.25%
$2,500.00 and up	0.35%	0.35%

*Specials* CD's (Fixed Rate Accounts)
	Rate	APY
10 Month ($1,000.00 minimum)	1.50%	1.50%
13 Month ($1,000.00 minimum) (New Funds Only)	1.75%	1.76%
23 Month ($1,000.00 minimum)	2.00%	2.01%

Certificates of Deposit (Fixed Rate Accounts)
	Rate	APY
31 Day or less ($1,000.00 minimum)	0.50%	0.50%
90 Day or less ($1,000.00 minimum)	0.75%	0.75%
182 Day ($1,000.00 minimum)	1.15%	1.15%
7 Month ($1,000.00 minimum)	1.20%	1.20%
12 Month ($1,000.00 minimum)	1.40%	1.41%
18 Month ($1,000.00 minimum)	1.65%	1.66%
24 Month ($1,000.00 minimum)	1.90%	1.91%
30 Month ($1,000.00 minimum)	2.05%	2.06%
36 Month ($2,500.00 minimum)	2.15%	2.16%
48 Month ($2,500.00 minimum)	2.40%	2.41%
60 Month ($2,500.00 minimum)	2.65%	2.67%
IRA 18 Month Certificate ($200.00 minimum)	1.40%	1.41%
Christmas Club 2010 ($2.00 minimum)	1.00%	1.00%
***All Interest is calculated on the daily balance method.***
Variable rate accounts – the interest rates and annual percentage yields may change at any time.
Variable rate accounts – fees may reduce the Annual Percentage Yield Earned.
Certificates of Deposit – a penalty may be imposed for early withdrawal.
Christmas Clubs – no withdrawals permitted before maturity.