Loan and Savings Rates

Statement Savings

Balance APY* Interest Rate $50-$24,999 0.50% 0.50% $25,000-$49,999 1.00% 1.00% $50,000 or more 1.25% 1.25% Rates effective: 01/07/2009 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 0.64% 0.64% $25,000-$49,999 1.14% 1.14% $50,000-$99,999 1.39% 1.38% $100,000 or more 1.64% 1.63% Rates effective: 01/07/2009 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 0.25% 0.25% $10,000-$49,999 0.40% 0.40% $50,000 or more 0.60% 0.60% Rates effective: 01/07/2009 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 2.35% 2.32% $2,500.00 182 Day 2.65% 2.62% $1,000.00 1 Year 2.75% 2.71% $500.00 2 Year 3.25% 3.20% $500.00 30 Month 3.25% 3.20% $500.00 3 Year 3.25% 3.20% $500.00 4 Year 3.50% 3.44% $500.00 5 Year 3.60% 3.54% $500.00 Rates effective: 01/07/2009 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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