CD Rates

July 21, 2010

CERTIFICATES OF DEPOSIT LESS THAN $100,000
Term	Minimum Balance to Open	Interest Rate	Annual Percentage Yield
3 Month	$2,500	0.25%	0.25%
6 Month	$2,500	0.40%	0.40%
9 Month	$2,500	0.50%	0.50%
12 Month	$2,500	0.70%	0.70%
Bump and Jump (15 Month, with one time rate adjustment)	$5,000	0.70%	0.70%
18 Month	$500	0.75%	0.75%
24 Month	$500	1.09%	1.10%
30 Month	$500	1.14%	1.15%
36 Month	$500	1.49%	1.50%
48 Month	$500	1.73%	1.75%
60 Month	$500	1.98%	2.00%

CERTIFICATES OF DEPOSIT $100,000 AND GREATER
Term	Minimum Balance to Open	Interest Rate	Annual Percentage Yield
1 Month	$100,000	0.15%	0.15%
2 Month	$100,000	0.20%	0.20%
3 Month	$100,000	0.25%	0.25%
6 Month	$100,000	0.40%	0.40%
12 Month	$100,000	0.70%	0.70%
18 Month	$100,000	0.75%	0.75%
24 Month	$100,000	1.10%	1.10%

INDIVIDUAL IRA ACCOUNTS
Term	Minimum Balance to Open	Interest Rate	Annual Percentage Yield
12 Month - Expandable	$100	0.70%	0.70%
12 Month	$100	0.70%	0.70%
18 Month	$100	0.75%	0.75%
24 Month	$100	1.10%	1.10%
30 Month	$100	1.15%	1.15%
36 Month	$100	1.49%	1.50%
48 Month	$100	1.74%	1.75%
60 Month	$100	1.99%	2.00%
* A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.
Annual percentage yields (APY's) are current as of the effective date. See Deposit Agreement. For current information call (253) 848-2316.