Rates

(effective as of 05/17/10)

Certificates of Deposit & IRAs

Term	Minimum Deposit	Interest Rate	Compound Frequency	APY*
91 DAY	$500.00	0.75%	QUARTERLY	0.75%
6 MONTH	$500.00	1.00%	SEMI-ANNUALLY	1.00%
7 MONTH	$500.00	1.00%	AT MATURITY	1.00%
9 MONTH	$500.00	1.00%	QUARTERLY	1.00%
12 MONTH	$500.00	1.24%	QUARTERLY	1.25%
15 MONTH	$500.00	1.24%	QUARTERLY	1.25%
18 MONTH	$500.00	1.24%	QUARTERLY	1.25%
24 MONTH	$500.00	1.98%	QUARTERLY	2.00%
30 MONTH	$500.00	2.23%	QUARTERLY	2.25%
36 MONTH	$500.00	2.48%	QUARTERLY	2.50%
48 MONTH	$500.00	2.97%	QUARTERLY	3.00%

Interest Checking

Balance Equal/Above	Interest Rate	Compound Frequency	APY*
$0.01	0.10%	MONTHLY	0.10%
$900.00	0.15%	MONTHLY	0.15%
$10,000.00	0.25%	MONTHLY	0.25%

Money Market Savings ($100 minimum deposit required to open)

Balance Equal/Above	Interest Rate	Compound Frequency	APY*
$0.01	0.15%	MONTHLY	0.15%
$10,000.00	0.50%	MONTHLY	0.50%
$50,000.00	0.75%	MONTHLY	0.75%

Regular Savings

Balance Equal/Above	Interest Rate	Compound Frequency	APY*
$0.01	0.00%	MONTHLY	0.00%
$100.00	0.15%	MONTHLY	0.15%
$1,000.00	0.25%	MONTHLY	0.25%
$5,000.00	0.50%	MONTHLY	0.50%

High Rate Savings ($50,000 minimum deposit required to open)

Balance Equal/Above	Interest Rate	Compound Frequency	APY*
$0.01	0.00%	MONTHLY	0.00%
$100.00	0.15%	MONTHLY	0.15%
$1,000.00	0.25%	MONTHLY	0.25%
$5,000.00	0.50%	MONTHLY	0.50%
$50,000.00	1.00%	MONTHLY	1.00%

Commercial Money Market Savings

Balance Equal/Above	Interest Rate	Compound Frequency	APY*
$0.01	0.50%	MONTHLY	0.50%

Interest Rate and Annual Percentage Yield subject to change.
**Minimum balances required to avoid service charge.

Fees could reduce the earnings on the account.
***Penalty for early withdrawal.

You may call (402) 238-2245 for further information about interest rates.
Member FDIC