Effective Date: October 1, 2009

Term Minimum Deposit To Open Account Minimum Balance To Obtain Annual % Yield Interest Rate Annual Percentage Yield (APY)
30 Day CD $500 $500 0.25% 0.25%
60 Day CD $500 $500 0.35% 0.35%
3 Month CD $500 $500 0.45% 0.45%
6 Month
CD/IRA
$500 $500 0.50% 0.50%
9 Month $500 $500 0.60% 0.60%
1 Year
CD/IRA
$500 $500 1.00% 1.00%
18 Month
CD/IRA
$500 $500 1.24% 1.25%
2 Year
CD/IRA
$500 $500 1.49% 1.50%
30 Month
CD/IRA
$500 $500 2.23% 2.25%
3 Year
CD/IRA
$500 $500 2.47% 2.50%
4 Year
CD/IRA
$500 $500 2.96% 3.00%
5 Year
CD/IRA
$500 $500 3.21% 3.25%
No Penalty 9 Month CD $5,000 $5,000 0.50% 0.50%
Premier IRA Savings $100 $0.01 0.05% 0.05%

Above rates are subject to change daily without notice to customers. Penalty for early withdrawl of CD's. APY on CD's less than a year assumes interest remains on deposit for one year with no withdrawls of principal or interest.



Please stop by your local office or call the Retail Call Center for more information:
800.730.6169
703.653.1150



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