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Rates

Certificate of Deposits as of 08-19-2010


CD Term--------------------Interest Rate--------APY

3 Month CD---------------------------0.75%-------------0.75%

5 Month CD---------------------------1.00%-------------1.00%

6 Month CD---------------------------1.00%-------------1.00%

9 Month CD---------------------------1.20%-------------1.21%

12 Month CD--------------------------1.40%-------------1.41%

12 Month Option CD------------------1.50%-------------1.51%

18 Month CD--------------------------1.65%-------------1.66%

24 Month CD--------------------------1.85%-------------1.86%

30 Month CD--------------------------2.00%-------------2.02%

36 Month CD--------------------------2.25%-------------2.27%

48 Month CD--------------------------2.60%-------------2.63%


$500 Minimum Deposit.
Interest on CD's is compounded quarterly except the 5 month CD, which is compounded monthly.
APY = Annual Percentage Yield
Rates are subject to change.
Certificate of Deposits may be subject to an early withdrawal penalty.


Variable Rate IRA as of 07-20-2010

Variable Time Deposit Open Acct.
APY: 2.50%
Rate: 2.52%

APY = Annual Percentage Yield
Rates are subject to change. IRA's may be subject to an early withdrawal penalty.

_____________________________________________________________________

NOW Account

Minimum Opening Deposit $500.00

Balances----------------------------Rates---------------APY's
$500.00 to $4,999.99--------------------.50%----------------.50%
$$5,000.00 to $9,999.99-----------------.55%----------------.55%
$10,000.00 to $24,999.99----------------.65%----------------.65%
$25,000.00 and above--------------------.75%----------------.75%

This is a variable rate account; the rate(s) and APY(s)may change after the account is opened.
You must maintain a minimum daily balance of $500.00 to obtain the disclosed annual percentage yield. The period we use to make this calculation is monthly. Fees could reduce earnings on the account.


Money Market Account

Minimum Opening Deposit $1,000.00

Balances----------------------------Rates--------------APY's
$0.00 to $2,499.99----------------------0.35%-----------------0.35%
$2,500.00 to $9,999.99------------------0.50%-----------------0.50%
$10,000.00 to $24,999.99----------------0.65%-----------------0.65%
$25,000.00 to $49,999.99----------------0.85%-----------------0.85%
$50,000.00 to $99,999.99----------------1.10%-----------------1.10%
$100,000.00 and above-------------------1.25%-----------------1.26%

This is a variable rate account; the rate(s) and APY(s)may change after the account is opened.
You must maintain a minimum daily balance of $1,000.00 to obtain the disclosed annual percentage yield. The period we use to make this calculation is monthly. Fees could reduce earnings on the account.


Passbook Savings Account

APY: 0.90%
RATE: 0.90%

This is a variable rate account; the rate(s) and APY(s)may change after the account is opened.
Fees could reduce earnings on the account.

Santa's Club Account

APY: 0.90%
RATE: 0.90%

This is a variable rate account; the rate(s) and APY(s)may change after the account is opened.
Fees could reduce earnings on the account.


Created on 10/17/2006 09:15 PM by webadmin
Updated on 08/31/2010 10:37 AM by webadmin
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