Rates

Please click the links below for information on our rates and fees.

Deposit Rates

The following are the ANNUAL PERCENTAGE YIELDS AND INTEREST RATES that are effective Wednesday, September 1, 2010 through Tuesday, September 7, 2010.

Account	Interest Rate	Annual Percentage Yield
Statement Savings Account	0.50%	0.50%
Passbook Savings Account	0.50%	0.50%
Christmas Club Statement Account	0.50%	0.50%
Now Account	0.15%	0.15%
Money Market Deposit Account (MMDA)
"Tier Level"
0 - 2,499.99	0.15%	0.15%
2,500 - 9,999.99	0.50%	0.50%
10,000 - 24,999.99	0.50%	0.50%
25,000 - 99,999.99	0.75%	0.75%
100,000+	1.00%	1.00%

182-Day Certificate of Deposit	0.75%	0.75%
1-Year Certificate of Deposit	1.00%	1.00%
2-Year Certificate of Deposit	1.24%	1.25%
3-Year Certificate of Deposit	1.74%	1.75%
Commercial Account Analysis ("CAA") Rates For September 2010 CAA Earnings Credit - 0.50% Uncollected Rate - 7.00%

These rates are subject to change without notice. Fees could reduce the earnings on the account (refer to our Schedule of Fees for details). A penalty will be imposed for early withdrawal from Certificate of Deposit accounts. Please refer to the Truth in Savings disclosures for the rules governing these types of accounts.

Loan Rates

The following are the ANNUAL PERCENTAGE RATES AND INTEREST RATES that are effective Tuesday, August 31, 2010 through Monday, September 6, 2010.

15-Year Loan Rates
Type	Interest Rate	Points	APR**
15-Year Fixed	4.625%	0%	4.865%
15-Year 1-Year ARM	4.000%	0%	3.369%
15-Year 3-Year ARM	5.500%	0%	4.266%

30-Year Loan Rates
Type	Interest Rate	Points	APR**
30-Year Fixed	5.125%	0%	5.266%
30-Year 1-Year ARM	4.000%	0%	3.203%
30-Year 3-Year ARM	5.500%	0%	3.731%

* All of the above rates apply to single family owner occupied residential property. Less than 20% down payment requires Private Mortgage Insurance (PMI).
For Adjustable Rate Mortgage loans, the interest rate may increase after consummation of the loan.
** APR (Annual Percentage Rate)
All Rates Subject To Change

Mortgage Payment Examples
The annual percentage rate (APR) calculations are based on a loan amount 0f $100,000 with a 20% down payment, assuming a 30-year amortization. The following monthly payments would apply:
Fixed Rate: $544.49 1 Year ARM: $477.42 3 Year ARM: $567.79

The annual percentage rate (APR) calculations are based on a loan amount 0f $100,000 with a 20% down payment, assuming a 15-year amortization. The following monthly payments would apply:
Fixed Rate: $771.40 1 Year ARM: $739.69 3 Year ARM: $817.08