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Certificates of Deposit*
Rates as of Sep 01, 2010
  Minimum Opening Balance Compounding Frequency Interest Rate Annual Percentage Yield
91 Day CD $500.00 At Maturity 0.65% 0.65%
182 Day CD $500.00 At Maturity 1.10% 1.10%
12 Month CD $500.00 At Maturity 1.35% 1.35%
18 Month CD $500.00 Annually 1.55% 1.55%
24 Month CD $500.00 Annually 1.90% 1.90%
30 Month CD $500.00 Annually 2.15% 2.15%
36 Month CD $500.00 Annually 2.25% 2.25%
48 Month CD $500.00 Annually 2.50% 2.50%
60 Month CD $500.00 Annually 2.80% 2.80%

* Substantial penalty for early withdrawal

IRAs / COVERDELL IRAs
Rates as of Sep 01, 2010
  Compounding Frequency Interest Rate Annual Percentage Yield
18 Month IRA** Variable Quarterly 2.15 2.17
30 Month IRA** Fixed Quarterly 2.15 2.17


MMDA**
Rates as of Sep 01, 2010
  Minimum Balance*** Compounding Frequency Interest Rate Annual Percentage Yield
MMDA: $2,500.00
Tier 1 $0-$9,999.99 Monthly 0.15% 0.15%
Tier 2 $10,000-$49,999.99 Monthly 0.20% 0.20%
Tier 3 $50,000-$99,999.99 Monthly 0.25% 0.25%
Tier 4 $100,000-$249,999.99 Monthly 0.30% 0.30%
Tier 5 $250,000 and above Monthly 0.35% 0.35%


NOW** / HSA Savings **
Rates as of Sep 01, 2010
  Minimum Balance*** Compounding Frequency Interest Rate Annual Percentage Yield
NOW Checking: $500.00
HSA Savings: N/A
Tier 1 $0-$2,499.99 Monthly 0.05% 0.05%
Tier 2 $2,500-$9,999.99 Monthly 0.10% 0.10%
Tier 3 $10,000-$49,999.99 Monthly 0.10% 0.10%
Tier 4 $50,000-$99,999.99 Monthly 0.15% 0.15%
Tier 5 $100,000 & above Monthly 0.20% 0.20%


Savings**
Rates as of Sep 01, 2010
  Minimum Balance*** Compounding Frequency Interest Rate Annual Percentage Yield
Savings Semi-Annually 0.10% 0.10%

** Rates are subject to change. Rate may change after the account is opened.

*** Minimum balance to open account. A service charge fee will be imposed for every statement cycle if the balance falls below this amount any day of the cycle.

Fees may reduce earnings.

Please contact a bank employee for further details.

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