Savings Rates | Loan Rates

Savings/Checking Products	Account Balance	Rate	APY*
Savings & IRA's** (Minimum opening deposit is $5)	$0 to $99 $100 to $4,999 $5,000 to $19,999 $20,000 to $49,999 $50,000+	0.00% 0.45% 0.60% 0.75% 0.90%	0.00% 0.45% 0.60% 0.75% 0.90%
Money Market** (Minimum opening deposit is $1,000)	$0 to $999 $1,000 to $4,999 $5,000 to $19,999 $20,000 to $49,999 $50,000+	0.00% 0.55% 0.70% 0.85% 1.00%	0.00% 0.55% 0.70% 0.85% 1.00%
Holiday Club (Minimum opening deposit is $5)		0.50%	0.50%
FREE Checking		0.00%	0.00%
Checking Plus** (Minimum opening deposit is $5)	$0 to $999 $1,000+	0.00% 0.25%	0.00% 0.25%

Term Certificates	Account Balance	Term	Rate	APY*
Regular & IRA Term Certificates***	$250 to $4,999	6 Months 12 Months 24 Months 36 Months 48 Months 60 Months	0.64% 1.05% 1.50% 1.81% 2.05% 2.31%	0.64% 1.05% 1.51% 1.82% 2.06% 2.33%
	$5,000 to $19,999	6 Months 12 Months 24 Months 36 Months 48 Months 60 Months	0.79% 1.20% 1.65% 1.96% 2.20% 2.46%	0.79% 1.20% 1.66% 1.97% 2.22% 2.48%
	$20,000 to $49,999	6 Months 12 Months 24 Months 36 Months 48 Months 60 Months	0.94% 1.35% 1.80% 2.11% 2.35% 2.61%	0.94% 1.35% 1.81% 2.13% 2.37% 2.63%
	$50,000+	6 Months 12 Months 24 Months 36 Months 48 Months 60 Months	1.09% 1.50% 1.95% 2.26% 2.50% 2.76%	1.09% 1.50% 1.96% 2.28% 2.52% 2.79%

Rates current from 03/01/2010 - 03/31/2010.

* APY = Annual Percentage Yield
** All rates are calculated using a daily balance method and are subject to change without notice.
*** Penalties may be imposed for early withdrawal.
Other rates, terms, fees, or conditions may apply or reduce earnings