Effective: March 09, 2010 Certificates of Deposit Interest Rates Term Rate APY*** 30 days under 100M 0.30% 0.300% 90 days under 100M 0.35% 0.350% 180 days under 100M 0.40% 0.400% 1-2 years under 100M 0.90% 0.90% 2-3 years under 100M 1.25% 1.260% 30 days over 100M 0.40% 0.400% 90 days over 100M 0.50% 0.500% 180 days over 100M 0.75% 0.750% 1-2 years over 100M 1.00% 1.000% 2-3 years over 100M 1.35% 1.360% Minimum $1000.00 to open     Effective: March 09, 2010 Deposit Interest Rates Amount Rate APY*** Money Market Checking   $1 - $2,499.99 0.120% 0.120% $2,500 + 0.130% 0.130%       Commercial Money Management   $1 - $4,999.99 0.120% 0.120% $5,000 + 0.140% 0.140%       Super Checking   $1 - $999.99 0% 0% $1,000 + 0.120% 0.120%       Personal Bonus   $1 - $4,999.99 0.120% 0.120% $5,000 + 0.120% 0.120%       Personal Savings   $1 + 0.130% 0.130%       Commercial Savings   $1 + 0.130% 0.130%       Treasury Money Market   $1 - $4,999.99 0.120% 0.120% $5,000 - $49,999.99 0.130% 0.130% $50,000 - $99,999.99 0.140% 0.140% $100,000.00 + 0.150% 0.150%       Effective: March 09, 2010 Loan Interest Rates Term APR** Automobile Loans Current Model Year (2009/2010)   36 months 6.25%   42 months 6.25%   48 months 6.25%   60 or 72 months 6.25%   Used 1st Model Year (2008) 60 months 6.49% 2nd Model Year (2007) 48 months 6.75% 3rd Model Year (2006) 42 months 6.99% 4th Model Year (2005) 36 months 7.25% 5th Model Year (2004) 30 months 7.49%   Personal Loans   Up to 12 Months 14.00%   Over 12 Months 16.00%   Boats & Campers New Up to 60 Months 7.75% Used Up to 60 Months 8.25%   Home Equity   Up to 60 Months 6.99%   61-120 Months 7.99%   Home Improvement   36 months 6.49%   48 months 6.49%   60 months 6.99%   120 months 7.49%   **APR = Annual Percentage Rate *** APY = Annual Percentage Yield