Certificate and IRA Rates | Variable Rate Savings Account

Certificate Rates
Interest Compounded Monthly, Posted Monthly
If interest paid monthly - link to savings account
or by check, yield is the same as rate.
Rates Effective March 17, 2010

$10,000 Minimum
Term (Months)	Interest Rate	Annual Percentage Yield
12	1.00%	1.00%
24	1.45%	1.46%
36	1.85%	1.87%
48	2.25%	2.27%
60	2.55%	2.58%

Certificates are subject to a substantial penalty for early
withdrawal, Call for the "Account Terms and Conditions Disclosure"
Rates subject to change without notice.

IRA Rates
Rates Effective March 17, 2010

$1,000 Minimum
Term (Months)	Interest Rate	Annual Percentage Yield
12	1.00%	1.00%
24	1.45%	1.46%
36	1.85%	1.87%
48	2.25%	2.27%
60	2.55%	2.58%

Rates subject to change without notice.

Total GAAP Net Worth at 06/30/10 - $83,723,000

Total Risk-based Capital at 06/30/10 -         13.07%
Tier 1 Leverage Capital Ratio at 06/30/10 -   10.16%