Savings and Certificate Rates

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Rate Schedule

Effective Date: June 11, 2009

*Annual Percentage Yield

SAVINGS

BALANCE
TO OPEN

MINIMUM BALANCE
TO EARN INTEREST

INTEREST
RATE

DAILY COMPOUNDED ANNUAL PERCENTAGE YEILD

Regular Passbook Savings

$50.00

$50.00

0.25%

0.25%

Junior Passbook

$0.00

$0.00

0.25%

0.25%

Statement Saving

$100.00

$100.00

0.25%

0.25%

Christmas Club

$0.00

$0.00

0.25%

0.25%

Vacation Club

$0.00

$0.00

0.25%

0.25%

CHECKING

-

-

-

N.O.W. Account

$250.00

$250.00

0.25%

0.25%

MONEY MARKET ACCOUNTS

-

-

-

Money Market Checking

$1,000.00

$1,000.00

0.50%

0.51%

Money Market Savings

$1,000.00

$1,000.00

0.50%

0.51%

Money Market IRA

$100.00

$100.00

1.01%

1.03%

Personal Gold Money Market

$25,000.00

$25,000-$49,999.99
$50,000 - $99,999.99
$100,000 and over

0.74%
0.98%
1.23%

0.75%
1.00%
1.25%

Money Market Premiere

$10,000

$10,000 - $24,999.99
$25,000-$49,999.99
$50,000 and over

0.49%
0.74%
0.98%

0.50%
0.75%
1.00%

Interest Rates for all savings, money market and checking accounts are subject to change.

CERTIFICATE OF DEPOSIT

-

-

-

31 Day Certificate

$1,000.00

$1,000.00

1.13%

1.15%

91 Day Certificate

$1,000.00

$1,000.00

1.23%

1.25%

6 Month Certificate

$1,000.00

$1,000 to $4,999.99
$5,000 - $9,999.99
$10,000.00 and over

1.42%
1.47%
1.565%

1.45%
1.50%
1.60%

9 Month Certificate

$1,000.00

$1,000 to $4,999.99
$5,000 - $9,999.99 $10,000 and over

1.565%
1.66%
1.76%

1.60%
1.70%
1.80%

12 Month Certificate

$1,000.00

$1,000 to $4,999.99
$5,000 - $9,999.99 $10,000 and over

1.61%
1.71%
1.95%

1.65%
1.75%
2.00%

15 Month Certificate

$1,000.00

$1,000 to $9,999.99 $10,000 and over

1.95%
2.10%

2.00%
2.15%

18 Month Certificate

$1,000.00

$1,000.00

2.15%

2.20%

24 Month Certificate

$1,000.00

$1,000 to $9,999.99 $10,000 and over

2.19%
2.34%

2.25%
2.40%

30 Month Certificate

$1,000.00

$1,000.00

2.435%

2.50%

5 Year Certificate

$1,000.00

$1,000 to $9,999.99
$10,000 and over

2.72%
2.915%

2.80%
3.00%

10 Year Certificate

$1,000.00

$1,000.00

3.01%

3.10%

PENALTIES IMPOSED FOR EARLY WITHDRAWAL OF CERTIFICATES
FEES MAY REDUCE INTEREST EARNED

SAVINGS	BALANCE TO OPEN	MINIMUM BALANCE TO EARN INTEREST	INTEREST RATE	DAILY COMPOUNDED ANNUAL PERCENTAGE YEILD
Regular Passbook Savings	$50.00	$50.00	0.25%	0.25%
Junior Passbook	$0.00	$0.00	0.25%	0.25%
Statement Saving	$100.00	$100.00	0.25%	0.25%
Christmas Club	$0.00	$0.00	0.25%	0.25%
Vacation Club	$0.00	$0.00	0.25%	0.25%
CHECKING	-		-	-
N.O.W. Account	$250.00	$250.00	0.25%	0.25%
MONEY MARKET ACCOUNTS	-		-	-
Money Market Checking	$1,000.00	$1,000.00	0.50%	0.51%
Money Market Savings	$1,000.00	$1,000.00	0.50%	0.51%
Money Market IRA	$100.00	$100.00	1.01%	1.03%
Personal Gold Money Market	$25,000.00	$25,000-$49,999.99 $50,000 - $99,999.99 $100,000 and over	0.74% 0.98% 1.23%	0.75% 1.00% 1.25%
Money Market Premiere	$10,000	$10,000 - $24,999.99 $25,000-$49,999.99 $50,000 and over	0.49% 0.74% 0.98%	0.50% 0.75% 1.00%
Interest Rates for all savings, money market and checking accounts are subject to change.
CERTIFICATE OF DEPOSIT	-		-	-
31 Day Certificate	$1,000.00	$1,000.00	1.13%	1.15%
91 Day Certificate	$1,000.00	$1,000.00	1.23%	1.25%
6 Month Certificate	$1,000.00	$1,000 to $4,999.99 $5,000 - $9,999.99 $10,000.00 and over	1.42% 1.47% 1.565%	1.45% 1.50% 1.60%
9 Month Certificate	$1,000.00	$1,000 to $4,999.99 $5,000 - $9,999.99 $10,000 and over	1.565% 1.66% 1.76%	1.60% 1.70% 1.80%
12 Month Certificate	$1,000.00	$1,000 to $4,999.99 $5,000 - $9,999.99 $10,000 and over	1.61% 1.71% 1.95%	1.65% 1.75% 2.00%
15 Month Certificate	$1,000.00	$1,000 to $9,999.99 $10,000 and over	1.95% 2.10%	2.00% 2.15%
18 Month Certificate	$1,000.00	$1,000.00	2.15%	2.20%
24 Month Certificate	$1,000.00	$1,000 to $9,999.99 $10,000 and over	2.19% 2.34%	2.25% 2.40%
30 Month Certificate	$1,000.00	$1,000.00	2.435%	2.50%
5 Year Certificate	$1,000.00	$1,000 to $9,999.99 $10,000 and over	2.72% 2.915%	2.80% 3.00%
10 Year Certificate	$1,000.00	$1,000.00	3.01%	3.10%