Rates effective as of 07/29/10
Deposit Rates
Type    APY
SAVINGS ACCOUNT -- MINIMUM TO OPEN -- $50.00, MINIMUM TO OBTAIN APY -- $25.00 (b,c)    .80%
SELECT NOW ACCOUNT -- MINIMUM TO OPEN -- $1,000.00 (b)   
-------Daily Balances of: up to $2,500.00    .25%
-------Daily Balances of: $2,500.01 and up    .45%
HEALTH SAVINGS ACCOUNT -- MINIMUM TO OPEN -- $50.00   
-------Daily Balances of: $2,500.01-10,000.00    .25%
-------Daily Balances of: $10,000.01-25,000.00    .50%
-------Daily Balances of: $25,000.01 and up    .80%
INSURED MONEY MARKET ACCOUNTS -- MINIMUM TO OPEN & OBTAIN APY -- $2,500.00   
Personal (b)   
-------Daily Balances of: up to $2,500.00    .35%
-------Daily Balances of: $2,500.01 - $10,000.00    .50%
-------Daily Balances of: $10,000.01 and up    .65%
Business (b)   
-------Daily Balances of: $2,500.01 - $10,000.00    .50%
-------Daily Balances of: $10,000.01 and up    .65%
CERTIFICATE OF DEPOSIT -- MINIMUM TO OPEN AND OBTAIN APY -- $500.00   
91 Day Certificate of Deposit (a,c)    .75%
182 Day Certificate Of Deposit (a,c)    1.00%
12 Month Certificate Of Deposit (a,c)    1.09%
18 Month Certificate Of Deposit (a,c)    1.25%
30 Month Certificate Of Deposit (a,c)    1.75%
48 Month Certificate Of Deposit (a,c)    2.07%
SPECIAL CERTIFICATE OF DEPOSIT   
Special 12 Month Certificate Of Deposit (a,c) $10,000 minimum to open and obtain APY    1.36%
Special 24 Month Certificate Of Deposit (a,c) $10,000 Minimum to open and obtain APY    1.76%
Special 15 Month Certificate of Deposit (a,c) $25,000 minimum to open and obtain APY    1.61%
INDIVIDUAL RETIREMENT ACCOUNT -- MINIMUM TO OPEN AND OBTAIN APY -- $500.00   
18 Month Individual Retirement Account (a,b,c)    1.00%
30 Month Individual Retirement Account (a,c)    2.02%
 
a)A penality may be imposed for early withdrawal. b) The interest rate and APY may change after acccount opening. c) Daily balance (The amount of the principal in the account each day). Annual Percentage Yield is expressed as A.P.Y. Interest rates and APY's are current as of 07-29-10. Fees and penalties could reduce the earnings on these accounts. For current rate information call (270) 653-4001.
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