Rates Effective as of MARCH 22, 2010

Certificates of Deposit
TERM	Interest Rate	APY*
6 Month - $1000 min	1.00%	1.00%
1 Year - $1000 min	1.45%	1.46%
1 Year- $25000 min	1.50%	1.51%
1 Year - $50000 min	1.55%	1.56%
1 Year - $100,000 min	1.60%	1.61%
2 Year - $1000 min	1.80%	1.81%
2 Year- $25000 min	1.85%	1.86%
2 Year - $50000 min	1.90%	1.91%
2 Year- $100,000 min	1.95%	1.96%
3 Year - $1000 min	2.05%	2.07%

*Annual Percentage Yield
Penalty for early withdrawal.

Savings Plans
Account Type	Interest Rate	APY*
Passbook $50 MINIMUM BALANCE REQUIRED	.50%	.50%
Christmas Club $3000 MAXIMUM DEPOSIT	2.00%	2.00%
Spunky Savers $25 MINIMUM BALANCE REQUIRED	.50%	.50%
IRA $250 MIN DEPOSIT	2.00%	2.02%
HSA $500 ($250 MIN DEPOSIT)	1.00%	1.00%
HSA $5,000	2.00%	2.02%
HSA $10,000	2.00%	2.02%

*Annual Percentage Yield
Rates may change after the account is opened.
Fees may affect earnings on the accounts.

Checking Accounts
Account Type	Interest Rate	APY*
Interest $200 MINIMUM BALANCE REQUIRED	.25%	.25%
Money Market $1000	.30%	.30%
Money Market- $25,000 minimum	.40%	.40%
Money Market - $50,000 minimum	.50%	.50%
Investment $ 5,000 - 24,999.99	.30%	.30%
Investment $25,000 - 49,999.99	.40%	.40%
Investment $50,000 - 74,999.99	.50%	.50%
Investment $75,000 - 99,999.99	.60%	.60%
Investment $100,000 or more	.70%	.70%

*Annual Percentage Yield
Rates may change after the account is opened.
Fees may affect earnings on the accounts.