Deposit Rates

 Variable Rate Deposit Accounts
Interest Rate
APY*
Minimum to open account
Monthly Average Collected Balance to Obtain APY*
**Money Market Deposit
   Account 		       
Tier 1
1.00%
1.00%
$2,500.00
$0.00 - $19,999.99
Tier 2
1.00%
1.00%
$2,500.00
$20,000.00 - 49,999.99
Tier 3
1.50%
1.51%
$2,500.00
$50,000.00 - $99,999.99
Tier 4
1.50%
1.51%
$2,500.00
$100,000.00 and Above
**Regular Savings Account
0.75%
0.75%
$50.00
$100.00

Certificates of Deposit (CD) - Fixed Rate $1,000 minimum to open account and obtain APY*

$10,000 or more
Term
Interest Rate
APY*
3 Months
1.85%
1.86%
6 Months
2.00%
2.01%
12 Months
2.35%
2.37%
1 1/2 Years
2.50%
2.52%
2 Years
2.70%
2.73%
3 Years
3.10%
3.14%
4 Years
3.35%
3.39%
5 Years
3.45%
3.49%

Less than $10,000
Term
Interest Rate
APY*
3 Months
1.60%
1.61%
6 Months
1.75%
1.76%
12 Months
2.10%
2.12%
1 1/2 Years
2.25%
2.27%
2 Years
2.45%
2.47%
3 Years
2.85%
2.88%
4 Years
3.10%
3.14%
5 Years
3.20%
3.24%

*Annual Percentage Yield (APY) is calculated with interest paid or credited to the account at maturity on terms less than 12 months. APY is calculated with interest paid or credited to the account quarterly on terms of 12 months or more. The actual APY may be different if interest is paid at a more (less) frequent interval.

**Service fees could reduce the earnings on the account(s)

There may be a substantial penalty for early withdrawal on all CD's
Interest Rates are subject to change at any time without notice

Effective Date: 11/03/2008