Savings & Loan Rates

Savings and Checking Rates - Effective as of July 22, 2010
Account Type	Interest or Dividend Rate	APY	Minimum Balance to Earn APY
Share Tier I	0.00%	0.00%	$5.00 membership share
Share Tier II	.15%	.15%	$300
Share Tier III	.30%	.30%	$10,000
Basic Checking	0.00%	0.00%	No Minimum Required
Reward Checking	.25%	.25%	$1,000
Flexible Shares Tier I	0.00%	0.00%	No Minimum Required
Flexible Shares Tier II	.15%	.15%	$300
Flexible Shares Tier III	.30%	.30%	$10,000
First Freedom Tier I	.10%	.10%	$2,500
First Freedom Tier II	.20%	.20%	$5,000
First Freedom Tier III	.30%	.30%	$10,000
First Freedom Tier IV	.40%	.40%	$50,000
First Freedom Tier V	.50%	.50%	$100,000
IRA Shares	.75%	.75%	No Minimum Required
Coverdell Education Savings Account	1.00%	1.00%	No Minimum Required
Pee Wee and CU Succeed	1.00%	1.01%	No Minimum Required

Regular Certificate of Deposit Rates - Effective as of May 7, 2010
Account Term	Interest Rate	APY	Minimum Balance
6 month	.50%	.50%	$2,000
6 month	.55%	.55%	$10,000
6 month	.60%	.60%	$25,000
6 month	.65%	.65%	$50,000
6 month	.70%	.70%	$100,000
12 month	1.00%	1.00%	$2,000
12 month	1.05%	1.05%	$10,000
12 month	1.10%	1.10%	$25,000
12 month	1.15%	1.15%	$50,000
12 month	1.20%	1.20%	$100,000
24 month	1.25%	1.25%	$2,000
24 month	1.30%	1.30%	$10,000
24 month	1.35%	1.35%	$25,000
24 month	1.40%	1.40%	$50,000
24 month	1.45%	1.45%	$100,000
36 and 48 month terms available
6 month Starter	.50%	.50%	$1,000
IRA cd's	Start at .50%	.50%	$2,000
6 month Starter - IRA	.50%	.50%	$1,000

APY = Annual Percentage Yield
We may impose an early withdrawal penalty if any portion of the certificate of deposit is withdrawn before the maturity date.