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Rates Effective Date
As of Friday, September 03, 2010


  Savings & Money Market Certificates IRAs Loans Mortgages Business Accounts Credit Cards
ProductAPY%APR%Minimum Opening DepositMinimum Balance to Avoid a FeeBalance Computation MethodMinimum Balance to earn APYCompounding MethodCrediting Frequency
Certificate Accounts
3 Month Certificate0.65%0.65% $1,000.00N/ADaily $1,000.00DailyMonthly
6 Month Certificate0.85%0.85% $1,000.00N/ADaily $1,000.00DailyMonthly or Quarterly
12 Month Certificate1.15%1.14% $1,000.00N/ADaily $1,000.00DailyMonthly or Quarterly
18 Month Certificate1.35%1.34% $1,000.00N/ADaily $1,000.00DailyMonthly
24 Month Certificate1.65%1.64% $1,000.00N/ADaily $1,000.00DailyMonthly or Quarterly
30 Month Certificate1.80%1.78% $1,000.00N/ADaily $1,000.00DailyMonthly
36 Month Certificate2.00%1.98% $1,000.00N/ADaily $1,000.00DailyMonthly or Quarterly
48 Month Certificate2.40%2.37% $1,000.00N/ADaily $1,000.00DailyMonthly or Quarterly
60 Month Certificate3.00%2.96% $1,000.00N/ADaily $1,000.00DailyMonthly or Quarterly
39 Month "Bump Up" Certificate2.00%1.98% $1,000.00N/ADaily $1,000.00DailyMonthly or Quarterly
Dividends are calculated on a day of deposit to day of withdrawal basis. For crediting frequency and compounding method, refer to the dividend payment column above. Fees or other conditions could affect could affect earnings. APY's are accurate as of above date.

*Variable rate accounts. **Penalties may be imposed for early withdrawal. Other rates and terms available upon request.***
Tier bands are based on daily deposited balances. Current Prime is 3.25%.
**** Online banking with eStatements, 15 point-of-sale purchases with debit card, Direct Deposit

APY% = Annual Percentage Yield (APY)%
APR=Dividend Rate%



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