Effective date of rate changes: February 1, 2010

Savings Account

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Savings Product Name	Annual Percentage Yield	Interest Rate
Savings Account*	.25%	.25%
*Variable rate accounts. Rate can change after account is open.

Certificate of Deposit
Certificate of Deposit rates apply to Personal, Business and IRA CD's. (1, 2)

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Certificate Product Name	Annual Percentage Yield	Interest Rate
3 month Certificate of Deposit	1.14%	1.13%
6 month Certificate of Deposit	1.33%	1.32%
1 year Certificate of Deposit	1.60%	1.59%
18 month Certificate of Deposit	1.85%	1.83%
2 year Certificate of Deposit	2.05%	2.03%
3 year Certificate of Deposit	2.35%	2.32%
4 year Certificate of Deposit	2.55%	2.52%
5 year Certificate of Deposit	2.85%	2.81%
1. Early withdrawal penalty may be imposed. 2. Minimum opening deposit of $2,500

Tiered Rates

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Product Type	Deposit Amount Tiers	Annual Percentage Yield	Interest Rate
Money Market Account*	0-$2,499.99	.40%	.40%
	$2,500 - $9,999.99	.80%	.80%
	$10,000 - $24,999.99	1.05%	1.05%
	$25,000 and up	1.08%	1.08%
Personal Checking w/interest*	0-$2,499.99	0.00%	0.00%
	$2,500 and up	.25%	0.25%
*Variable rate accounts. Rate can change after account is open. Rates are subject to change without notice. Fees may reduce earnings.