CD Rates/IRA Rates				Other				Money Market Tiers
Account Type	Interest Rate	APY		Account Type	Interest Rate	APY		Balance	Interest Rate
3 month	0.50%	0.50%		Savings	.15%	.15%		0-$9,999.99	.75%
6 month	0.65%	0.65%		NOW**	.15%	.15%		$10,000-$24,999.99	.95%
9 month	0.80%	0.80%		First Rate*	.15%	.15%		$25,000-$49,999.99	1.25%
12 month	0.95%	0.95%		First Rate Plus	.15%	.15%		$50,000-$99,999.99	1.50%
15 month	1.15%	1.16%						$100,000-and over	1.70%
24 month	1.40%	1.41%
24 month    Jump Up!	1.35%	1.36%
36 month	1.75%	1.76%
48 month	2.00%	2.01%
60 month	2.50%	2.51%

These rates are valid through September 6, 2010
A withdrawal and/or fees could reduce earnings on any account.
On Certificates of Deposit, a penalty will be assessed for early withdrawal.
APY means Annual Percentage Yield.
*First Rate and First Rate 50 minimum balance of $500 to obtain Annual Percentage Yield (APY)
**NOW minimum balance of $1,000 to obtain Annual Percentage Yield (APY)

Account Terms & Conditions	Free Checking	NOW Checking	Money Market (Investment Plus)	Savings	Business Checking
Minimum to Open Account	$100.00	$100.00	$2,500.00	$50.00	$100.00
Minimum Balance	$0.00	$1,000.00	$0.00	$100.00	$500.00
Service Fees	None	$5.00/month if average daily balance < $1000.00	$3.00 for each debit in excess of 6 per month	$2.00/month if average daily balance < $100.00	$4.50/month if average daily balance < $500.00
Interest	None	See Rates tab	See Rates tab	See Rates tab	None
Withdrawals Per Month	Unlimited	$.10/debit if falls below average daily balance < $1000.00	Six	$3.00/debit in excess of 6/month	$.15/debit over 30 if average daily balance < $500.00

With all accounts, there is a $27.50 charge for each return/paid item charge per item when account is in the negative. After three business days in the negative, account is charged $15.00 per day.