CERTIFICATE RATES EFFECTIVE AS OF JUNE 29, 2010
 
    RATE APY RATE APY RATE APY  
  TERM $500 TO $4,999 $5,000 TO $14,999 OVER $15,000  
  CERTIFICATE RATES           IRA RATES  
  IRA - 30 DAY IRA         0.70% 0.70%  
  IRA - 18 MO. VARIBLE         1.54% 1.55%  
  32 THRU 90 DAYS 0.50% 0.50% 0.60% 0.60% 0.70% 0.70%  
  91 DAYS THRU 5 MO. 0.50% 0.50% 0.60% 0.60% 0.70% 0.70%  
  6 MO. THRU 11 MO. 0.90% 0.90% 1.00% 1.00% 1.10% 1.10%  
  12 MO. THRU 17 MO. 1.19% 1.20% 1.29% 1.30% 1.39% 1.40%  
  18 MO. THRU 23 MO. 1.34% 1.35% 1.44% 1.45% 1.54% 1.55%  
  24 MO. THRU 29 MO. 1.54% 1.55% 1.64% 1.65% 1.74% 1.75%  
  30 MO. THRU 35 MO. 1.59% 1.60% 1.69% 1.70% 1.79% 1.80%  
  36 MO. THRU 47 MO. 1.89% 1.90% 1.99% 2.00% 2.08% 2.10%  
  48 MO. THRU 59 MO. 2.18% 2.20% 2.28% 2.30% 2.38% 2.40%  
  60 Months 2.48% 2.50% 2.58% 2.60% 2.67% 2.70%  
  1 MONTH SPECIAL 0.45% 0.45% 0.70% 0.70% 0.70% 0.70%  
  8 MONTH SPECIAL 1.15% 1.15% 1.39% 1.40% 1.39% 1.40%  
  13 MONTH SPECIAL 1.24% 1.25% 1.74% 1.75% 1.74% 1.75%  
  19 MONTH SPECIAL 1.74% 1.75% 1.99% 2.00% 1.99% 2.00%  
  23 MONTH SPECIAL 1.89% 1.90% 2.13% 2.15% 2.13% 2.15%  
  29 MONTH SPECIAL 2.03% 2.05% 2.28% 2.30% 2.28% 2.30%  
               
  CHECKING & SAVINGS RATES              
  ADVANTAGE ACCT 0.50% 0.50%          
  SUPER ADVANTAGE 0.40% 0.40%          
  REWARD CHECKING 0.30% 0.30%          
  PRESTIGE 50 0.30% 0.30%          
  BASIC CHECKING NON-INTEREST BEARING  
  FREEDOM CHECKING NON-INTEREST BEARING  
  EXPRESS CHECKING NON-INTEREST BEARING  
  FAMILY CLUB ACCT NON-INTEREST BEARING  
  PRESTIGE STUDENT NON-INTEREST BEARING  
                 
  PASSBOOK SAVINGS 0.40% 0.40%          
  *** RATES SUBJECT TO CHANGE WITHOUT NOTICE, CALL OR E-MAIL FOR A CURRENT RATE QUOTE.  
     
  **** APY -- ANNUAL PERCENTAGE YIELD  
  ***** CD's & Savings Compounded Qtrly, Advantage, Super Advantage,  
  Reward and Prestige 50 Checking Compounded Monthly