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Rate and Fee Disclosure CD Rate and Fee Disclosure

Share Rates
Effective:September 3, 2010
ACCOUNT TYPE APR APY

Savings

$100.00-$2,499.99

0.25 0.26
$2,500.00-$9,999.99 0.50 0.51
$10,000.00 and up 0.75 0.76

Holiday Club Savings

$100.00 and up 0.25 0.26

Checking (Dividend, Elite)

$100.00 Minimum 0.15 0.16

Business Checking

$100.00-$2,499.99

0.15 0.16
$2,500.00-$9,999.99 0.25 0.26
$10,000.00 and up 0.50 0.51

Money Market

$2,500.00-$9,999.99 0.50 0.51
$10,000.00-$49,999.99 0.75 0.76
$50,000.00-$99,999.99 1.10 1.11
$100,000.00 and up 1.24 1.25

Certificate of Deposit

($1,000 Minimum Required)

6 Month 1.10 1.11
12 Month 1.29
1.30
18 Month 1.49 1.51
24 Month 1.79 1.81
36 Month 2.23 2.26
48 Month 2.57 2.61
60 Month 2.57 2.61

IRA (Individual Retirement Account)

$100.00 Minimum 1.00 1.01
IRA CDs are available at standard CD Rates

APR refers to Annual Percentage Rate

APY refers to Annual Percentage Yield

All rates are subject to change without notice.

Interest accrues daily.