Interest Rates for CD Accounts

APY is accurate as of July 30, 2010

Account Type	Minimum Deposit to Open Account	Minimum Daily Balance to obtain APY¹	Interest Rate	APY
Deposit Accounts
N.O.W.²	$ 50	$ 1000	0.15%	0.15%
MMDA²	$ 50	$ 2500	0.15%	0.15%
Statement Savings²	$ 50	$ 200	0.15%	0.15%
Fees could reduce the earnings on the account. ¹ You must maintain a minimum balance, of the listed amount, in the account each day to obtain the disclosed APY. ² Rate may change after account is opened.

Club Accounts
Automatic All-purpose Clubs²			0.25%	0.25%
Coupon All-purpose Clubs²			0.25%	0.25%
Automatic Christmas Clubs³			1.00%	1.00%
Coupon Christmas Clubs⁴			1.00%	1.00%
Fees could reduce the earnings on the account. All-purpose Clubs have a term of 12 months. ² Rate may change after account is opened. ³ The maturity date of this club account is October 4, 2010. The term varies based on when the account is opened. ⁴ The maturity date of this club account is October 12, 2010. The term varies based on when the account is opened.

Certificates of Deposit
Gas Lease CD	$ 1000	$ 1000	1.50%	1.50%
91 Day	$ 1000	$ 1000	0.25%	0.25%
5 Month	$ 1000	$ 1000	0.25%	0.25%
182 Day	$ 1000	$ 1000	0.50%	0.50%
12 Month	$ 1000	$ 1000	0.75%	0.75%
24 Month	$ 1000	$ 1000	1.00%	1.00%
36 Month	$ 1000	$ 1000	1.24%	1.25%
48 Month	$ 1000	$ 1000	1.49%	1.50%
60 Month	$ 1000	$ 1000	1.99%	2.00%
72 Month	$ 1000	$ 1000	2.72%	2.75%
90 Month	$ 1000	$ 1000	2.97%	3.00%


IRA Accounts
12 Month Fixed	$ 500	$ 500	1.35%	1.35%
12 Month Variable²	$ 0	$ 0	0.15%	0.15%
60 Month Fixed	$ 500	$ 500	2.48%	2.50%
90 Month Fixed	$ 500	$ 500	2.97%	3.00%
² Rate may change after account is opened.

A penalty may be imposed for early withdrawal.

Full disclosure for any specific account is available upon request.
Please contact us at 1-800-820-4642.