Regular Certificates of Deposit and CD Retirement Plan Accounts

Interest Rates: Effective as of July 26, 2010

Product	Interest Rate	APY*	Minimum Balance to Earn APY
**91 Day	0.49%	0.50%	$500.00
4 Months	0.49%	0.50%	$500.00
5 Months	0.49%	0.50%	$500.00
6 Months	0.49%	0.50%	$500.00
7 Months	0.49%	0.50%	$500.00
8 Months	0.69%	0.70%	$500.00
9 Months	0.69%	0.70%	$500.00
10 Months	0.69%	0.70%	$500.00
12 Months	0.98%	1.00%	$500.00
13 Months	1.08%	1.10%	$500.00
14 Months	0.98%	1.00%	$500.00
15 Months	0.98%	1.00%	$500.00
15 Month Step-up	0.88%	0.90%	$500.00
15 Month Step-up(IRA Only)	0.88%	0.90%	$500.00
18 Months	1.23%	1.25%	$500.00
24 Months	1.71%	1.75%	$500.00
24 month Step-Up	1.23%	1.25%	$500.00
25 Months	1.23%	1.25%	$500.00
30 Months	1.23%	1.25%	$500.00
30 Month Variable IRA	1.23%	1.25%	$1.00
36 Months	1.95%	2.00%	$500.00
42 Months	1.95%	2.00%	$500.00
4 Years	2.19%	2.25%	$500.00
5 Years	2.44%	2.50%	$500.00
10 Years	2.44%	2.50%	$500.00
** CD Plus			Minimum Bal. to Open $10,000
91 Day Liquid CD	0.25%	0.25%	Balance under $10,000
	0.49%	0.50%	Balance $10,000 and over
6 Month Liquid CD	0.25%	0.25%	Balance under $10,000
	0.49%	0.50%	Balance $10,000 and over

*Annual Percentage Yield
Penalties may be imposed for early withdrawals on Certificates.
Fees could reduce earnings
Rates are subject to change.

** Not Available For Retirement Plans