Rates Effective July 1, 2010.

*** CERTIFICATE SPECIALS *** $10,000 Minimum Balance IRAs Welcome

Regular & IRA Certificates Nominal Rate APY* Min Balance

9 Months 1.00% 1.00% $10,000

15 Months 1.49% 1.50% $10,000

21 Months 1.74 1.75 $10,000

27 Months 1.99% 2.00% $10,000

39 Months 2.23% 2.25% $10,000

57 Months 2.48% 2.50% $10,000

Regular & IRA Certificates Nominal Rate APY* Min Balance

1 - 3 Months 0.75% 0.75% $500

4 - 11 Months 0.85% 0.85% $500

12 - 23 Months 1.29% 1.30% $500

24 - 35 Months 1.54% 1.55% $500

36 - 48 Months 1.79% 1.80% $500

49 Months & Greater 2.03% 2.05% $500

*APY - Annual Percentage Yield
All rates are subject to change without notice.