For more information please click on the following links:

• CD/IRA Accounts
• Christmas Club Savings
• Health Savings Account
• Insured Money Market Fund
• Interest First Checking
• Municipal Interest First Checking
• Signature Money Market Account
• Statement Savings
• Loan Rates

CD/IRA Accounts

APY: Annual Percentage Yield
Certificate of Deposit minimum opening deposit is $1,000.00.
One Year Variable IRA minimum opening deposit is $50.00.

1 Year Variable CD/IRA***	Interest Rate	APY**
Tier 1 ($50-$499.99) IRA only	1.00	1.00
Tier 2 ($500-$999.99)	1.00	1.00
Tier 3 ($1,000-$9,999.99)	1.00	1.00
Tier 4 ($10,000-$24,999.99)	1.00	1.00
Tier 5 ($25,000-$74,999.99)	1.00	1.00
Tier 6 ($75,000 & over)	1.00	1.00
1-2 Month Fixed CD/IRA	Interest Rate	APY**
Tier 1 ($1,000-$9,999.99)	0.25	0.25
Tier 2 ($10,000-$49,999.99)	0.35	0.35
Tier 3 ($50,000 & over)	0.45	0.45
3-5 Month Fixed CD/IRA	Interest Rate	APY**
Tier 1 ($1,000-$9,999.99)	0.25	0.25
Tier 2 ($10,000-$49,999.99)	0.30	0.30
Tier 3 ($50,000 & over)	0.45	0.45
6 Month Fixed CD/IRA	Interest Rate	APY**
Tier 1 ($1,000-$9,999.99)	0.30	0.30
Tier 2 ($10,000-$49,999.99)	0.40	0.40
Tier 3 ($50,000 & over)	0.55	0.55
12-23 MO Fixed CD/IRA	Interest Rate	APY**
Tier 1 ($1,000-$9,999.99)	0.75	0.75
Tier 2 ($10,000-$49,999.99)	0.85	0.85
Tier 3 ($50,000 & over)	1.00	1.00
24-35 MO Fixed CD/IRA	Interest Rate	APY**
Tier 1 ($1,000-$9,999.99)	1.30	1.31
Tier 2 ($10,000-$49,999.99)	1.40	1.41
Tier 3 ($50,000 & over)	1.55	1.56
36-47 MO Fixed CD/IRA	Interest Rate	APY**
Tier 1 ($1,000-$9,999.99)	1.70	1.71
Tier 2 ($10,000-$49,999.99)	1.80	1.81
Tier 3 ($50,000 & over)	1.95	1.96
48-59 MO Fixed CD/IRA	Interest Rate	APY**
Tier 1 ($1,000-$9,999.99)	2.30	2.32
Tier 2 ($10,000-$49,999.99)	2.40	2.42
Tier 3 ($50,000 & over)	2.55	2.57
60-71 MO Fixed CD/IRA	Interst Rate	APY**
Tier 1 ($1,000-$9,999.99)	2.50	2.52
Tier 2 ($10,000-$49,999.99)	2.60	2.63
Tier 3 ($50,000 & over)	2.75	2.78

*Early withdrawal penalties may apply.
** APY based on interest quarterly compounded.
*** The interest rate and annual percentage yield may change every quarter.

Christmas Club Savings

APY: Annual Percentage Yield

Account	Interest Rate	APY
Book Payment $10.00 and over balance	1.00	1.00
AFT Payment $10.00 and over balance	1.50	1.51

Health Savings Account

APY: Annual Percentage Yield

Account	Interest Rate	APY
Tier 1 ($500-$9,999.99)	1.00	1.00
Tier 2 ($10,000-$24,999.99)	1.50	1.51
Tier 3 ($25,000-$49,999.99)	2.00	2.02
Tier 4 ($50,000 and over)	2.50	2.53

Insured Money Market Fund

APY: Annual Percentage Yield

Account	Interest Rate	APY
Tier 1 ($1,000-$9,999.99)	0.30	0.30
Tier 2 ($10,000-$24,999.99)	0.35	0.35
Tier 3 ($25,000-$49,999.99)	0.40	0.40
Tier 4 ($50,000-$99,999.99)	0.50	0.50
Tier 5 ($100,000 & over)	0.70	0.70

Interest First Checking

APY: Annual Percentage Yield

Account	Interest Rate	APY
Tier 1 ($300-$9,999.9)	0.05	0.05
Tier 2 ($10,000-$24,999.99)	0.10	0.10
Tier 3 ($25,000-$49,999.99)	0.15	0.15
Tier 4 ($50,000 & over)	0.20	0.20

Municipal Interest First Checking

APY: Annual Percentage Yield

Account	Interest Rate	APY
Tier 1 ($1,000-$9,999.99)	0.05	0.05
Tier 2 ($10,000-$24,999.99)	0.10	0.10
Tier 3 ($25,000-$49,999.99)	0.15	0.15
Tier 4 ($50,000-$99,999.99)	0.20	0.20
Tier 5 ($100,000 - $499,999.99)	0.25	0.25
Tier 6 ($500,000 & over)	0.25	0.25

Signature Money Market Account

APY: Annual Percentage Yield

Account	Interest Rate	APY
Tier 1 ($75,000-$99,999.99)	0.55	0.55
Tier 2 ($100,000 & over)	0.75	0.75

Statement Savings

APY: Annual Percentage Yield

Account	Interest Rate	APY
$10.00 and over	0.20	0.20

Loan Rates

Call any of our convenient locations for our current loan rates.

Notes:

• All Deposit Rates subject to change
• The Annual Percentage Yield is accurate as of 08/16/10
• Account disclosures available upon request
• Deposits are insured by the Federal Deposit Insurance Corporation