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Deposit Rates



Certificate of Deposit Rates
valid March 02, 2010 thru March 01, 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 0.70% 0.70% 0.80% 0.80% 0.85% 0.85% 0.90% 0.90%
Easy Access 0.80% 0.80% 0.80% 0.80% 0.80% 0.80% 0.80% 0.80%
3 Month 0.65% 0.65% 0.75% 0.75% 0.80% 0.80% 0.85% 0.85%
6 Month * 0.70% 0.70% 0.80% 0.80% 0.85% 0.85% 0.90% 0.90%
12 Month * 0.90% 0.90% 1.00% 1.00% 1.05% 1.06% 1.10% 1.11%
18 Month * 1.15% 1.16% 1.25% 1.26% 1.25% 1.26% 1.25% 1.26%
24 Month * 1.30% 1.31% 1.40% 1.41% 1.45% 1.46% 1.50% 1.51%
30 Month * 1.70% 1.71% 1.80% 1.81% 1.85% 1.87% 1.90% 1.92%
36 Month * 1.90% 1.92% 2.00% 2.02% 2.05% 2.07% 2.10% 2.12%
48 Month * 2.35% 2.38% 2.45% 2.48% 2.50% 2.53% 2.55% 2.58%
60 Month * 2.90% 2.94% 3.00% 3.04% 3.05% 3.09% 3.10% 3.14%
12 Month Variable IRA * 0.70% 0.70% 0.80% 0.80% 0.85% 0.85% 0.90% 0.90%

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 March 02, 2010 thru March 01, 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
Victory Lane CD 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25%
45 Month Special * 2.55% 2.58% 2.55% 2.58% 2.55% 2.58% 2.55% 2.58%

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
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 10/26/09) $100.00 1.00% 1.00% $10,000.00
& Over		 1.50% 1.51%
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 3/10/09) $50.00 0.55% 0.55%
Statement Savings (effective 3/10/09) $100.00 0.55% 0.55%
Christmas Vacation Club - coupon $25.00 1.00% 1.00%
Christmas/Vacation Club - automatic $25.00 1.25% 1.25%
Health Savings Account $0.01 1.00% 1.00%
APY = Annual Percentage Yield
Rates may change after the account is opened.
Fees may reduce earnings on the account.

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