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Deposit Rates



Certificate of Deposit Rates
valid September 08, 2010 thru September 13, 2010.
COD Term <$10,000
Interest Rate		 APY $10,000-$49,999
Interest Rate		 APY $50,000- $99,999
Interest Rate		 APY $100,000 & Over
Interest Rate		 APY
CD Plus 0.45% 0.45% 0.55% 0.55% 0.60% 0.60% 0.65% 0.65%
Easy Access 0.60% 0.60% 0.60% 0.60% 0.60% 0.60% 0.60% 0.60%
3 Month 0.35% 0.35% 0.45% 0.45% 0.50% 0.50% 0.55% 0.55%
6 Month * 0.45% 0.45% 0.55% 0.55% 0.60% 0.60% 0.65% 0.65%
12 Month * 0.65% 0.65% 0.75% 0.75% 0.80% 0.80% 0.85% 0.85%
18 Month * 0.85% 0.85% 0.95% 0.95% 0.95% 0.95% 0.95% 0.95%
24 Month * 1.05% 1.06% 1.15% 1.16% 1.20% 1.21% 1.25% 1.26%
30 Month * 1.45% 1.46% 1.55% 1.56% 1.60% 1.61% 1.65% 1.66%
36 Month * 1.50% 1.51% 1.60% 1.61% 1.65% 1.66% 1.70% 1.71%
48 Month * 1.85% 1.87% 1.95% 1.97% 2.00% 2.02% 2.05% 2.07%
60 Month * 2.45% 2.48% 2.55% 2.58% 2.60% 2.63% 2.65% 2.68%
12 Month Variable IRA * 0.45% 0.45% 0.55% 0.55% 0.60% 0.60% 0.65% 0.65%

APY = Annual Percentage Yield
Penalty for early withdrawal.
The Annual Percentage Yield assumes that interest remains on deposit until maturity and that a withdrawal of interest will reduce the earnings on the account.
* - These terms are available for IRA's

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Certificate of Deposit Specials
Rates valid September 08, 2010 thru September 13, 2010.
Certificate of Deposit Specials <$10,000
Interest Rate		 APY $10,000- $49,999
Interest Rate		 APY $50,000- $99,999
Interest Rate		 APY $100,000 & Over
Interest Rate		 APY
45 Month Special * 2.05% 2.07% 2.05% 2.07% 2.05% 2.07% 2.05% 2.07%
Blue and White 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%

APY = Annual Percentage Yield
Penalty for early withdrawal.
The Annual Percentage Yield assumes that interest remains on deposit until maturity and that a withdrawal of interest will reduce the earnings on the account.
* - These terms are available for IRA's

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Deposit Accounts
Account Type Minimum to
Earn Interest		 Interest Rate APY Interest Rate APY
E-Account Checking (effective 5/3/10) $1,000.00 0.50% 0.50%
N.O.W. Checking (effective 3/10/09) $1,000.00 0.10% 0.10%
Super N.O.W. Checking (effective 3/10/09) $1,000.00 0.10% 0.10% $5,000.00
& Over		 0.55% 0.55%
Value Money Market (effective 7/1/10) $100.00 0.75% 0.75% $10,000.00
& Over		 1.10% 1.11%
Value Checking (effective 3/10/09) $1,000.00 0.10% 0.10%
Senior Value Checking (effective 3/10/09) $1.00 0.10% 0.10%
Passbook Savings (effective 7/1/10) $50.00 0.35% 0.35%
Statement Savings (effective 3/10/09) $100.00 0.55% 0.55%
Student Savings (effective 7/20/10) $50.00 0.55% 0.55%
Christmas/Vacation Club - cpn (7/1/10) $25.00 0.50% 0.50%
Christmas/Vacation/Tax Club - automatic(7/1/10) $25.00 0.75% 0.75%
Health Savings Account (effective 7/1/10) $0.01 0.50% 0.50%
APY = Annual Percentage Yield
Rates may change after the account is opened.
Fees may reduce earnings on the account.

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