Deposit Interest Rates // Effective Date: March 9, 2010
INVESTMENT PRODUCT
INTEREST
RATE

ANNUAL PERCENTAGE
YIELD (APY)
FREQUENCY
OF COMPOUNDING
MINIMUM REQUIRED BALANCE
CERTIFICATES OF DEPOSIT
91 Day
0.60%
0.60%
At Maturity
$2,500
182 Day
0.75%
0.75%
At Maturity
$2,500
9 Month
1.00%
1.00%
Quarterly
$500
12 Month
1.40%
1.40%
Semi-annual
$500
15 Month
1.49%
1.50%
Quarterly
$500
18 Month
1.59%
1.60%
Semi-Annual
$500
24 Month
1.69%
1.70%
Semi-Annual
$500
30 Month
1.89%
1.90%
Semi-Annual
$500
36 Month
2.39%
2.40%
Semi-Annual
$500
60 Month
2.98%
3.00%
Semi-Annual
$500
DREAMBUILDER CDs
12 Month
1.40%
1.40%
Semi-Annual
$50
18 Month
1.59%
1.60%
Semi-Annual
$50
48 Month
2.63%
2.65%
Semi-Annual
$50
PEACE OF MIND
24 Month
1.69%
1.70%
Semi-Annual
$500
IRA/ROTH/CESA CDs
182 Day
.80%
.80%
At Maturity
$50
18 Month
1.74%
1.75%
Semi-Annual
$50
18 Month Variable*
1.74%
1.75%
Semi-Annual
$50
24 Month
1.84%
1.85%
Semi-Annual
$50
48 Month
2.93%
2.95%
Semi-Annual
$50
60 Month
3.03%
3.05%
Semi-Annual
$50
SAVINGS ACCOUNTS
iSavings *
0.30%
0.30%
Monthly
$100
R. Banking Friends *
0.20%
0.20%
Quarterly
$5
Christmas Club
Automatic Transfer
.50%
.50%
Annually
$5
Non-Automatic Transfer
.40%
.40%
Annually
$5
Statement Savings *
0.20%
0.20%
Monthly
$100
Passbook Savings *
0.10%
0.10%
Quarterly
$100
Money Market *
$1,000
$1,000 - $14,999.99
0.20%
0.20%
Monthly
$15,000 - $29,999.99
0.25%
0.25%
Monthly
$30,000 - $59,999.99
0.35%
0.35%
Monthly
$60,000 - PLUS
0.40%
0.40%
Monthly
Money Market Max *
$10,000
$10,000 - $99,999.99
.40%
.40%
Monthly
  
$100,000 - $499,999.99
.55%
.55%
Monthly
  
$500,000 - $999,999.99
.60%
.60%
Monthly
  
$1,000,000 - PLUS
.65%
.65%
Monthly
  
CHECKING ACCOUNTS
iChecking *      
$0
$0.01 - $1,000
6.78%
7.00%
Monthly
  
$1,000.01 - PLUS
0.20%
0.20-6.99%
Monthly
  
Requirements not met **
0.02%
0.02%
Monthly
  
Capital & Advantage Plus *
$500
$500 - $2,499.99
0.05%
0.05%
Monthly
$2,500 - $4,999.99
0.10%
0.10%
Monthly
$5,000 - PLUS
0.15%
0.15%
Monthly
Advantage Classic & VIP *
$1,000
$1,000 - $2,499.99
0.05%
0.05%
Monthly
$2,500 - $4,999.99
0.10%
0.10%
Monthly
$5,000 - $9,999.99
0.15%
0.15%
Monthly
$10,000 - PLUS
0.20%
0.20%
Monthly
Health Savings Account*
1.00%
1.00%
Monthly
$50

The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Early withdrawals may be subject to penalties. Penalties will be 1 month, 3 months, 6 months, 12 months, or 18 months interest on the amount withdrawn depending on the term of the CD. Certificates of Deposit will automatically renew at maturity. Fees could reduce earnings.

* The interest rate and annual percentage yield may change after the account is opened.

** If the average daily balance is less than $1,000.01, the interest rate paid on that portion of the balance will be 6.78%. The annual percentage yield for this tier will be 7.00%. If the average daily balance is more than $1,000.00 the interest rate paid on that portion of the balance will be 0.20%. The annual percentage yield for this tier will range from 6.99% to 0.20%. You must maintain a minimum balance of $0.01. If any of the requirements listed in the limitations section are not met, an interest rate of .02% with an APY of .02% will be paid on the average daily balance to obtain the disclosed annual percentage yield.

Deposits insured by the FDIC.