Rates > Interest Checking, Insured Money Market & Savings

Rates Effective: 10/23/2009

Product	Rate	APY*	Interest Compounding	Minimum to Open
Interest Checking
$0 - $24,999	.25%	.250%	Monthly	$100
$25,000 & above	.50%	.501%	Monthly
Business Interest Checking
$0 - $24,999	.25%	.250%	Monthly	$500
$25,000 & above	.50%	.501%	Monthly
Non-Prof/Public Fds Int. Chkg
$0 - $24,999	.25%	.250%	Monthly	$200
$25,000 & above	.50%	.501%	Monthly
Relationship Checking
$0 - $24,999	.50%	.503%	Monthly	$500
$25,000 & above	0.75%	0.754%	Monthly
Savings	1.00%	1.004%	Quarterly	$100
Minor Savings	1.00%	1.004%	Quarterly	$50
Christmas Club Savings	1.00%	1.004%	Quarterly	$10
Money Market Checking			Monthly	$1,000
Business Money Market Checking			Monthly	$1,000
Non-Profit/Public Funds MM			Monthly	$1,000
$0 - $24,999	0.75%	0.754%
$25,000 - $49,999	0.75%	0.754%
$50,000 - $99,999	0.75%	0.754%
$100,000 & over	1.50%	1.511%
* APY = Annual Percentage Yield
Rates may change on variable rate accounts after they have been opened resulting in a different APY than what was quoted at account opening. In addition, fees on some accounts could reduce the annual earnings.