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Certificate Rates    --  As of 07/16/2009

			RATE	YIELD*
O	3 months -	$1,000.00 to $4,999.99	0.750	0.752
P	3 months -	$5,000.00 and up	0.850	0.853
A	6 months -	$1,000.00 to $4,999.99	1.200	1.205
B	6 months -	$5,000.00 and up	1.300	1.306
C	1 year   -	$1,000.00 to $4,999.99	1.300	1.306
D	1 year   -	$5,000.00 and up	1.400	1.407
G	1 year -	$50,000.00 total CDs, increment of $10,000.00 per CD	1.400	1.407

ACCOUNT	RATE/YIELD*	DIVIDENDS PAID
Share Drafts	0.000/0.000	Monthly
Shares	0.100/0.100	Quarterly
IRA's	1.250/1.256	Quarterly
HSA	1.000/1.004	Quarterly

*ANNUAL PERCENTAGE YIELD

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