Rates current as of July 28, 2010. Rates are subject to change without notice, and certain conditions and restrictions may apply. Please call for details.

3 Month Certificate (Add .25% to APY for IRA)*
Deposit Balance				Dividend Rate	Annual Percentage Yield
$1,000- $9,999				.35%	.35%
$10,000 and over				.45%	.45%

6 Month Certificate (Add .25% to APY for IRA)*
Deposit Balance				Dividend Rate	Annual Percentage Yield
$1,000- $9,999				.55%	.55%
$10,000 and over				.65%	.65%

12 Month Certificate (Add .25% to APY for IRA)*
Deposit Balance				Dividend Rate	Annual Percentage Yield
$1,000- $9,999				.85%	.85%
$10,000 and over				.95%	.95%

24 Month Certificate (Add .25% to APY for IRA)*
Deposit Balance				Dividend Rate	Annual Percentage Yield
$1,000- $9,999				1.34%	1.35%
$10,000 - and over				1.44%	1.45%

36 Month Certificate (Add .25% to APY for IRA)*
Deposit Balance				Dividend Rate	Annual Percentage Yield
$1,000- $9,999				1.64%	1.65%
$10,000 and over				1.74%	1.75%

48 Month Certificate (Add .25% to APY for IRA)*
Deposit Balance				Dividend Rate	Annual Percentage Yield
$1,000- $9,999				1.88%	1.90%
$10,000 and over				1.98%	2.00%

60 Month Certificate (Add .25% to APY for IRA)*
Deposit Balance				Dividend Rate	Annual Percentage Yield
$1,000- $9,999				2.37%	2.40%
$10,000 and over				2.47%	2.50%

12 Month College Fund Certificate*
Deposit Balance				Dividend Rate	Annual Percentage Yield
Min. $100 deposit to open. Additional deposits can be made during the term.				1.00%	1.00%

*Rates and terms subject to change at any time. Substantial penalty for early withdrawal. Contact us for details.