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July 30, 2010  
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Is Now the Time to Refinance?
Talk to Your Community Bank about
Low Interest Rates!

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APY: Annual Percentage Yield
Annual Percentage Yield current as of July 12, 2010.
All rates are subject to change without notice.

Account Type & Term --   Minimum Opening Deposit  Minimum Balance To Earn APY   Rate  Annual Percentage Yield 
NOW Checking 
$25  $500  0.10%  0.10% 
Statement & Passbook Savings 
$25  $100  0.20%  0.20% 
Young Peoples Savings 
$10  $0.01  0.20%  0.20% 
Christmas & Vacation Club 
$25  $10  0.20%  0.20% 
Money Market 
--  --  --  -- 
  $0 - $24,999        
$2,500  $0.01  .15%  .15% 
  $25,000 - $49,999 
$2,500  $25,000  .25%  .25% 
  $50,000 - $149,999 
$2,500  $50,000  .35%  .35% 
  $150,000 - $249,999 
$2,500  $150,000  0.60%  0.60% 
  $250,000 & over 
$2,500  $250,000  0.80%  0.80% 
Certificates of Deposit 
--  --  --  -- 
     3 Months 
$500  $500  .40%  .40% 
     6 Months  
$500  $500  .55%  .55% 
     1 Year 
$500  $500  .90%  .90% 
     15 Months 
$500  $500  .90%  .90% 
     18 Months 
$500  $500  .90%  .90% 
     2 Year 
$500  $500  1.24%  1.25% 
     3 Year 
$500  $500  1.74%  1.75% 
     5 Year 
$500  $500  2.47%  2.50% 
     6 Year 
$500  $500  2.47%  2.50% 
IRA CDs 
--  --  --  -- 
     1 Year 
$500  $500  .90%  .90% 
     15 Months 
$500  $500  .90%  .90% 
     18 Months 
$500  $500  .90%  .90% 
     2 Year 
$500  $500  1.24%  1.25% 
     3 Year 
$500  $500  1.74%  1.75% 
     5 Year 
$500  $500  2.47%  2.50% 
     6 Year 
$500  $500  2.47%  2.50% 
Health Savings Account
(variable rate) 
       
     $0 - $2,499.99  
--  $0.01  .15%  .15% 
     $2,500 - $9,999.99 
--  $2,500  .25%  .25% 
     $10,000 - $24,999.99 
--  $10,000  .50%  .50% 
     $25,000 - $49,999.99 
--  $25,000  0.80%  0.80% 
    $50,000 + 
--  $50,000  0.80%  0.80% 
HSA Checking Account 
$25  $500  0.10%  0.10% 

A penalty may be imposed for early withdrawal of funds from IRA and Certificate of Deposit Accounts.

Any deposit, withdrawal, interest transfer or fees will affect earnings and the Annual Percentage Yield (APY).

The daily balance method is used to calculate interest on all accounts

Sample Rate Quote: "as of today's date, the interest Rate on our 18 Month CD is .90%
Annual Percentage Yield of .90%

 
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