Rates

Effective as of September 1, 2010

CERTIFICATES OF DEPOSIT (CD)
	Minimum Opening Deposit - $500.00     Minimum Balance* to Obtain APY** - $500.00
ACCOUNT TYPE	INTEREST RATE	ANNUAL PERCENTAGE YIELD
3 MONTHS	.75%	.75%
6 MONTHS	.85%	.85%
12 MONTHS	1.25%	1.26%
24 MONTHS	1.65%	1.66%
36 MONTHS	1.75%	1.76%
48 MONTHS	2.00%	2.02%
60 MONTHS	2.25%	2.27%
INDIVIDUAL RETIREMENT ACCOUNTS (I.R.A.)
	Minimum Opening Deposit - $500.00 Minimum Balance* to Obtain APY**-$500.00
ACCOUNT TYPE	INTEREST RATE	ANNUAL PERCENTAGE YIELD
12 MONTHS	1.25%	1.26%
24 MONTHS	1.65%	1.66%
36 MONTHS	1.75%	1.76%
48 MONTHS	2.00%	2.02%
60 MONTHS	2.25%	2.27%
VARIABLE RATE  24 MONTHS	1.95%	1.96%
VARIABLE RATE 60 MONTHS	2.21%	2.23%

* DAILY BALANCE (THE AMOUNT OF PRINCIPAL IN THE ACCOUNT EACH DAY.)
**ANNUAL PERCENTAGE YIELD (APY) IS ACCURATE AS OF THE EFFECTIVE DATE NOTED ABOVE, ASSUMING EARNINGS ARE CREDITED TO THE ACCOUNT AND REMAIN ON DEPOSIT. INTEREST WITHDRAWALS WILL REDUCE EARNINGS.

DEPOSIT ACCOUNTS
ACCOUNT TYPE	MINIMUM OPENING DEPOSIT	MINIMUM BALANCE * TO OBTAIN APY**	INTEREST RATE	ANNUAL   PERCENTAGE YIELD
PREMIUM CHECKING	$1,000.00	$ 1,000.00	.15%	.15%
MONEY MARKET	$1,000.00	Less than$15,000.00***	.25%	.25%
		$15,000.00 and greater***	.50%	.50%
CLASSIC SAVINGS	$100.00	$100.00	.15%	.15%
COMBO SAVINGS	$100.00	$100.00	.15%	.15%
PENNY SAVERS	$10.00	$100.00	.15%	.15%
IRA SAVINGS	$25.00	$100.00	.15%	.15%
CHRISTMAS   CLUB	$5, $10, or $20	$100.00	.15%	.15%
CHRISTMAS   CLUB W/AUTO PAYMENTS	$5, $10, or $20	$100.00	.40%	.40%

* Daily Balance (the amount of principal in the account each day.)
**Annual Percentage Yield (APY) is accurate as of the effective date noted above, assuming earnings are credited to the account and remain on deposit.  Interest withdrawals will reduce earnings.
***Interest rate is paid on the entire balance in your account

PLEASE REQUEST FURTHER INFORMATION FROM OUR STAFF CONCERNING THE
TERMS AND CONDITIONS OF THESE ACCOUNTS.