Certificate of Deposit  & Passbook Savings Account Rates

January 25, 2010

Time Frame	Minimum Deposit	Interest Rate	Annual Percentage Yield (APY)
6 Months	$  2,500.00	1.0950%	1.10%
12 Months	$  2,500.00	1.59%	1.60%
24 Months	$10,000.00	1.93%	1.95%
36 Months	$10,000.00	2.23%	2.25%
Passbook Savings	$25.00	.249%	.25%

On all accounts interest is compounded daily and interest is paid quarterly.

Minimum deposit to open account.  Minimum daily balance (the amount of principle  in the account each day) to obtain Annual percentage yield (APY).  Fees may reduce earnings on these accounts.  Further accounts are provided in Your Deposit brochure.  Please see a banker for any questions regarding these products. Penalty for early withdrawal.  Rates and details about  yields subject to change without notice.  FDIC insured.