Rates effective February 9, 2010

The following rates can change at any time.  Please call the bank for the most current rates.

Certificates of Deposit APR APY
1 Month 0.50% 0.50%
3 Month 1.00% 1.00%
6 Month 1.00% 1.00%
12 Month 1.40% 1.41%
18 Month 1.60% 1.61%
24 Month 1.95% 1.96%
36 Month 1.95% 1.96%



Accounts APR APY
NOW Account 0.25% 0.25%
Money Market Account 0.75% 0.75%
Savings Account 0.50% 0.50%
Flex Money Market
   Daily Balance between $1,500.00 and $9,999.99 0.75% 0.75%
   Daily Balance between $10,000.00 and $24,999.99 1.00% 1.00%
   Daily Balance between $25,000.00 and $999,999,999.99 1.50% 1.51%



IRAs APR APY
12 Month 1.40% 1.41%


The interest rate and annual percentage yield may change after account opening. Fees could reduce the earnings on the account.

A penalty will be imposed for early withdrawal. A minimum balance of $1,000.00 is required to open account and obtain annual percentage yields listed. The interest rate and annual percentage yield may change after account is opened.