Deposit Account Interest Rates

Effective as of 03/11/2010

Personal Interest Rates
Account	Minimum Balance To Open	Interest Rate	Annual Percentage Yield (APY)**
Advantage Savings	100.00	0.25	0.25
Youth Advantage Savings	5.00	0.25	0.25
Total Advantage Plus	100.00	0.25	0.25
Senior Advantage $1,000 or more daily balance earns interest @ bank determined rate.	100.00	0.25	0.25
Money Market Advantage	100.00	0.70	0.70
Investment Advantage* $25,000 minimum daily balance required to obtain disclosed yield.	25,000.00	1.21	1.22
Currently not available * Fees applied may effect APY Rates subject to change without notice.

Certificates of Deposit
Term	Minimum Balance	Interest Rate	Annual Percentage Yield (APY)	Compounded
06 Month(s)	500.00	0.53	0.53	At Maturity
12 Month(s)	500.00	0.73	0.73	Monthly
18 Month(s)	500.00	1.01	1.01	Monthly
24 Month(s)	500.00	1.42	1.43	Monthly
36 Month(s)	500.00	2.05	2.07	Monthly
48 Month(s)	500.00	2.61	2.64	Monthly
Early withdrawal penalty may apply. Rates subject to change without notice.

Individual Retirement Accounts*
Term	Minimum Balance	Interest Rate	Annual Percentage Yield (APY)	Compounded
12 Month(s)	500.00	0.73	0.73	Quarterly
18 Month(s)	500.00	1.01	1.01	Quarterly
24 Month(s)	500.00	1.42	1.43	Quarterly
36 Month(s)	500.00	2.05	2.07	Quarterly
48 Month(s)	500.00	2.61	2.64	Quarterly
Early withdrawal penalty may apply. Rates subject to change without notice.

*IRA's - Additional Deposits in any amount not to exceed maximum contribution allowed in current year through April 15th of the following year.