Rates effective as of 09/01/10
Residential Mortgage Loans
Type    Term    Rate    APR    Points    Down Payment
10 Year Balloon    15 Years    4.95%    4.95%    0    20% Required
10 Year Balloon    30 Years    5.42%    5.42%    0    20% Required
 
Consumer Installment Loan Rate
Type    Model Year    Term    Rate    APR
Car Loan***    2011       6.75%   
Car Loan***    2010       6.75%   
Car Loan***    2009       7.00%   
Car Loan***    2008       7.125%   
Car Loan***    2007       7.250%   
Car Loan***    2006       7.375%   
 
Deposit Rates
Type    APY
PERSONAL CERTIFICATES OF DEPOSIT    TIER 4/ TIER 3 / TIER 2
7-31 Day Tiered Certificate of Deposit*    .05% / .10% / .15%
91-Day Tiered Certificate of Deposit*    .15% / .20% / .25%
182-Day Tiered Certificate of Deposit*    .40% / .45% / .50%
1-Year Tiered Certificate of Deposit*    .65% / .70% /.75%
2-Year Tiered Certificate of Deposit*    1.10% / 1.15% /1.21%
3-Year Tiered Certificate of Deposit*    1.35% /1.40% /1.45%
4-Year Tiered Certificate of Deposit*    1.60% / 1.65% / 1.70%
JUMBO CERTIFICATES (OVER 100K)    Add .15 per term to Tier 4
SAVINGS & CHECKING PRODUCTS   
Statement Savings** - $100 Minimum - To Open    .12%
N.O.W. Account ** - Minimum $1,000.00 - To Open    .07%
50 & More NOW Account** - Tier 2 Minimum $500.00 - To Open    .10%
INDIVIDUAL RETIREMENT ACCOUNTS (I.R.A.)   
182 Day IRA - Minimum $1,000.00    1.00%
18 Month IRA **- Minimum $25.00    1.80%
30 Month IRA - Minimum $500.00    2.15%
48 Month IRA - Minimum $500.00    2.50%
 
APR-Annual Percentage Rate APY-Annual Percentage Yield * Tiered Balances to obtain the APY are as follows: Tier 4: $1,000.00 - $9,999.99 Tier 3: $10,000.00 - $24,999.99 Tier 2: $25,000.00 - $99,999.99 Jumbo Rates Available for Certifiactes $100,000.00 or over. Automatically renewable. APY assumes interest remains on deposit until maturity, a withdrawal will reduce earnings. ** Variable rate account. Rate may change after the account is opened. *** Contact us for terms and down payment requirements on auto loans.
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