Loan and Savings Rates

Statement Savings

Balance APY* Interest Rate $50-$24,999 0.50% 0.50% $25,000-$49,999 0.85% 0.85% $50,000 or more 1.15% 1.14% Rates effective: 09/06/2010 Interest rates subject to change at any time without notice. *Withdrawals during the term of an account will affect Annual Percentage Yield (APY)

Money Market Deposit Account

Balance APY* Interest Rate $0-$24,999 0.60% 0.60% $25,000-$49,999 0.85% 0.85% $50,000-$99,999 1.10% 1.09% $100,000 or more 1.35% 1.34% Rates effective: 09/06/2010 Interest rates subject to change at any time without notice. *Withdrawals during the term of an account will affect Annual Percentage Yield (APY)

NOW Checking

Balance APY* Interest Rate $0-$9,999 0.20% 0.20% $10,000-$49,999 0.35% 0.35% $50,000 or more 0.50% 0.50% Rates effective: 09/06/2010 Interest rates subject to change at any time without notice. *Withdrawals during the term of an account will affect Annual Percentage Yield (APY)

Certificates

APY* Interest Rate Minimum Balance 91 Day 0.50% 0.50% $2,500.00 182 Day 0.90% 0.90% $1,000.00 1 Year 1.10% 1.09% $500.00 2 Year 1.55% 1.54% $500.00 30 Month 1.55% 1.54% $500.00 3 Year 2.00% 1.98% $500.00 4 Year 2.25% 2.23% $500.00 5 Year 2.75% 2.71% $500.00 Rates effective: 09/06/2010 Interest rates subject to change at any time without notice. *Withdrawals during the term of an account will affect Annual Percentage Yield (APY)

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