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Rates Effective Date
As of Tuesday, September 07, 2010


  Savings & Money Market Certificates IRAs Loans Mortgages Business Accounts Credit Cards
ProductAPY%APR%Minimum Opening DepositMinimum Balance to Avoid a FeeBalance Computation MethodMinimum Balance to earn APYCompounding MethodCrediting Frequency
IRA Deposit Products
IRA Money Market Account Tier 10.70%0.70% $1.00N/ADaily $1.00MonthlyMonthly
IRA Money Market Account Tier 20.85%0.85% $1.00N/ADaily $25,000.00MonthlyMonthly
IRA Money Market Account Tier 31.00%1.00% $1.00N/ADaily $50,000.00MonthlyMonthly
3 Month IRA Certificate0.65%0.65% $1,000.00N/ADaily $1,000.00DailyMonthly
6 Month IRA Certificate0.85%0.85% $1,000.00N/ADaily $1,000.00DailyMonthly or Quarterly
12 Month IRA Certificate1.05%1.04% $1,000.00N/ADaily $1,000.00Daily Monthly or Quarterly
18 Month IRA Certificate1.20%1.19% $1,000.00N/ADaily $1,000.00Daily Quarterly
24 Month IRA Certificate1.35%1.34% $1,000.00N/ADaily $1,000.00Daily Quarterly
30 Month IRA Certificate1.55%1.54% $1,000.00N/ADaily $1,000.00Daily Quarterly
36 Month IRA Certificate1.75%1.73% $1,000.00N/ADaily $1,000.00Daily Quarterly
48 Month IRA Certificate2.10%2.08% $1,000.00N/ADaily $1,000.00Daily Quarterly
60 Month IRA Certificate2.50%2.47% $1,000.00N/ADaily $1,000.00DailyMonthly or Quarterly
Dividends are calculated on a day of deposit to day of withdrawal basis. For crediting frequency and compounding method, refer to the dividend payment column above. Fees or other conditions could affect could affect earnings. APY's are accurate as of above date.

*Variable rate accounts. **Penalties may be imposed for early withdrawal. Other rates and terms available upon request.***
Tier bands are based on daily deposited balances. Current Prime is 3.25%.
**** Online banking with eStatements, 15 point-of-sale purchases with debit card, Direct Deposit

APY% = Annual Percentage Yield (APY)%
APR=Dividend Rate%



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