Rates

Account Product Name	Minimum Opening Deposit	Minimum Balance to Obtain Annual Percentage Yield	Interest Rate	Annual Percentage Yield
*12 Month Certificate of Deposit a**	$1,000.00	$1,000.00 *c
Daily Balances of:
$1,000.00-24,999.99			0.40%	0.40%
$25,000 and up			0.50%	0.50%
*36 Month Certificate of Deposit a**	$1,000.00
Daily Balances of:
$1,000.00-24,999.99			0.70%	0.70%
$25,000 and up			0.80%	0.80%
*60 Month Certificate of Deposit a**	$1,000.00	$1,000.00 *c
Daily Balances of:
$1,000.00-24,999.99			0.90 %	0.90 %
$25,000.00 and up			0.95%	0.95 %
*IRA/Roth/Coverdell Ed. 30 Month CD a,b**	$100.00		0.85%	0.85%
*IRA/Roth/Coverdell Ed. Savings b**	$100.00		0.75%	0.75%

VIEW OUR CURRENT RATES: COMPLETE DEPOSIT RATE SHEET

a) A penalty will be imposed for early withdrawal.
b) The interest rate and annual percentage yield may change after account opening.
c) Daily balance. The amount of the principal in the account each day.

Fees could reduce the earnings on the account. Interest Rates and Annual Percentage Yields are current as of above mentioned date.