Current Rates

Effective December 23rd, 2009

Demand Deposits

	Minimum to Open	APY%*	Rate
NOW Checking Account	$500.00	.50%	.50%
Money Market Gold	$10,000.00	.75%	.75%
Money Market Gold Plus	$50,000.00	1.26%	1.25%
Money Market Account	$500.00	.75%	.75%

*Must maintain minimum balance or subject to service charge. Money Market Accounts can have only three checks clear the account in a month, but unlimited lobby withdrawals and transfers.

Interest post monthly. APY=Annual Percentage Yield.

	Minimum to Open	APY%*	Rate
Passbook Savings	$25.00	.50%	.50%

*Minimum balance of $100.00 must be maintained to avoid a $3.00 quarterly service charge.
Interest posted quarterly.

Certificate of Deposits

	Minimum to Open	APY%*	Rate
91 Day***	$500.00	.75%	.75%
182 Day	$500.00	1.00%	1.00%
12 Month	$500.00	1.51%	1.50%
18 Month	$1,000.00	1.76%	1.75%
24 Month	$1,000.00	2.27%	2.25%
30 Month	$1,000.00	2.27%	2.25%
36 Month**	$1,000.00	2.52%	2.50%
48 Month**	$1,000.00	2.77%	2.75%
60 Month**	$1,000.00	3.02%	3.00%

Penalty of early withdrawals. APY=Annual Percentage Yield. Interest posted quarterly.
*** Interest posted Semi-Annually. *** Interest posted at Maturity.

Individual Retirement Accounts

	Minimum to Open	APY%*	Rate
12 month	$500.00	1.51%	1.50%
24 month	$500.00	2.27%	2.25%
36 month**	$1,000.00	2.52%	2.50%
48 month**	$1,000.00	2.77%	2.75%

Penalty on early withdrawals. Withdrawals are subject to taxes. APY=Annual Percentage Yield.
Interest post quarterly. ** Interest posted Semi-Annually.

Current Rates

Effective December 23rd, 2009

Demand Deposits

Certificate of Deposits

Individual Retirement Accounts

Rates are subject to change without notice.