Rates

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Certificate Rates Effective February 20, 2010
CERTIFICATE OF DEPOSIT
Term Of Deposit Rate Annual Percentage Yield (APY)
3 Months 0.65% 0.65%
6 Months 0.85% 0.85%
12 Months 1.15% 1.16%
18 Months 1.25% 1.26%
24 Months 1.65% 1.66%

Deposit Rates Effective February 20, 2010
MONEY MARKET CHECKING
Deposit Balance Rate Annual Percentage Yield (APY)
$2,500.00 to $9,999.00 0.15% 0.15%
$10,000.00 to $24,999.00 0.30% 0.30%
$25,000 and above 0.60% 0.60%


MONEY MARKET SAVINGS
Deposit Balance Rate Annual Percentage Yield (APY)
$2,500.00 to $9,999.00 0.25% 0.25%
$10,000.00 to $24,999.00 0.50% 0.50%
$25,000 and above 0.75% 0.75%


PASSBOOK SAVINGS ACCOUNT
Deposit Balance Rate Annual Percentage Yield (APY)
$200.00 and above 0.50% 0.50%


NOW ACCOUNT
Deposit Balance Rate Annual Percentage Yield (APY)
$1,500.00 and above 0.25% 0.25%