Updated Last March 9, 2010

CERTIFICATES OF DEPOSIT

Minimum opening balance of $1,000.00 for the following certificates.

TYPE
RATE
APY**
COMPOUND FREQUENCY
3 MONTH
1.65%
1.66%
Quarterly
5 MONTH
1.65%
1.66%
Quarterly
6 MONTH
1.65%
1.66%
Quarterly
8 MONTH
1.65%
1.66%
Quarterly
10 MONTH
1.65%
1.66%
Quarterly
12 MONTH
1.65%
1.66%
Quarterly
13 MONTH
1.65%
1.66%
Quarterly
15 MONTH
1.65%
1.66%
Quarterly
18 MONTH
1.65%
1.66%
Quarterly
24 MONTH
1.85%
1.86%
Quarterly
30 MONTH
2.00%
2.02%
Quarterly
36 MONTH
2.50%
2.52%
Quarterly
48 MONTH
2.50%
2.52%
Quarterly
60 MONTH
2.50%
2.52%
Quarterly
Individual Retirement Accounts
6 MONTH
1.65%
1.66%
Quarterly
$50 To Open
10 MONTH
1.65%
1.66%
Quarterly
$1,000 To Open
18 MONTH
1.65%
1.66%
Quarterly
$1,000 To Open
30 MONTH
2.00%
2.02%
Quarterly
$1,000 To Open
48 MONTH
2.50%
2.52%
Quarterly
$1,000 To Open

SUBSTANTIAL INTEREST PENALTY FOR EARLY WITHDRAWAL.

**The ANNUAL PERCENTAGE YIELD is the total amount of interest that is paid based on the interest rate and compounding frequency, annualized for a 365 day period, expressed as a percentage.

DEPOSITS INSURED UP TO $250,000.00 BY THE FDIC.


IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities,
Federal law requires all banks to obtain, verify and record information
that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name,
address, date of birth, and other information that will allow us to identify you.
We may also ask to see your driver's license or other identifying documents.

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First time customers, opening a new account?

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