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September 4, 2010

Looking Forward, Reaching Higher...
Our philosophy is to look forward and embrace the positive changes made possible by innovations in technology. We have many products, including deposits, loans, and investments which can make the financial side of your life more convenient and profitable.

Deposit Rates

RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE
Rates quoted are as of today's date, and may not be the rate actually in effect on any later date.

Certificates of Deposit - $50,000

Automatic Renewal or Single Maturity
Minimum deposit to open the account - $50,000

Term  Interest Rate   Annual Percentage Yield   Early Withdrawal Penalty  
30 Days  0.50%   0.50%   All Interest Earned  
92 Days  0.75%   0.75%   90 Days  
183 Days  1.05%   1.06%   90 Days  
12 Months  1.40%   1.41%   180 Days  
18 Months  1.40%   1.41%   180 Days  
24 Months  1.55%   1.56%   180 Days  
30 Months  2.15%   2.17%   180 Days  
36 Months  2.45%   2.48%   270 Days  
48 Months  2.75%   2.79%   360 Days  
60 Months  3.10%   3.15%   360 Days  

Certificates of Deposit - $10,000

Automatic Renewal or Single Maturity
Minimum deposit to open the account - $10,000

Term  Interest Rate   Annual Percentage Yield   Early Withdrawal Penalty  
30 Days  0.35%   0.35%   All Interest Earned  
92 Days  0.60%   0.60%   90 Days  
183 Days  0.90%   0.90%   90 Days  
12 Months  1.25%   1.26%   180 Days  
18 Months  1.25%   1.26%   180 Days  
24 Months  1.40%   1.41%   180 Days  
30 Months  2.00%   2.02%   180 Days  
36 Months  2.30%   2.33%   270 Days  
48 Months  2.60%   2.63%   360 Days  
60 Months  2.95%   2.99%   360 Days  

Certificates of Deposit - Less Than $10,000

Automatic Renewal or Single Maturity
Minimum deposit to open the account - $500

Term  Interest Rate   Annual Percentage Yield   Early Withdrawal Penalty  
30 Days  0.20%   0.20%   All Interest Earned  
92 Days  0.45%   0.45%   90 Days  
183 Days  0.75%   0.75%   90 Days  
12 Months  1.10%   1.11%   180 Days  
18 Months  1.10%   1.11%   180 Days  
24 Months  1.25%   1.26%   180 Days  
30 Months  1.85%   1.87%   180 Days  
36 Months  2.15%   2.17%   270 Days  
48 Months  2.45%   2.48%   360 Days  
60 Months  2.80%   2.84%   360 Days  

IRA Certificates of Deposit

Automatic Renewal Only
Minimum deposit to open the account - $1,000

Term  Interest Rate   Annual Percentage Yield   Early Withdrawal Penalty  
12 Months  1.40%   1.41%   180 Days  
24 Months  1.55%   1.56%   180 Days  
36 Months  2.45%   2.48%   270 Days  
48 Months  2.75%   2.79%   360 Days  
60 Months  3.10%   3.15%   360 Days  

YOUNG PIONEER

Add-on Certificates of Deposit (Automatic Renewal Only)
Age Requirement -Under 18
Minimum deposit to open the account -$25; Minimum add-on deposit -$1

Term  Interest Rate   Annual Percentage Yield   Early Withdrawal Penalty  
12 Months  2.30%   2.33%   180 Days  

SAVINGS ACCOUNTS

Account  Interest Rate   Annual Percentage Yield  
IRA Savings Account  1.25%   1.26%  
Statement Savings Account  0.50%   0.50%  
Money Market --     
Tier 1: $100,000 and greater  0.75%   0.75%  
Tier 2: $50,000 to $99,999.99  0.50%   0.50%  
Tier 3: $25,000 to $49,999.99  0.25%   0.25%  
Tier 4: $2,500 to $24,999.99  0.15%   0.15%  
Tier 5: 0 to $2,499.99  0.10%   0.10%  

TRANSACTION ACCOUNTS

Account  Interest Rate   Annual Percentage Yield  
NOW Account  0.10%   0.10%  
HSA NOW Account --     
Tier 1: $5,000 and greater  2.50%   2.53%  
Tier 2: $2,500 to $4,999.99  1.75%   1.77%  
Tier 3: 0 to $2,499.99  0.75%   0.75%  

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