$5,000

$1,000

0.15

0.10

0.16

0.11

$5,000

$1,000

0.25

0.15

0.26

0.16

$5,000

$1,000

0.35

0.20

0.36

0.21

$5,000

$1,000

0.55

0.30

0.56

0.31

$5,000

$1,000

0.85

0.65

               0.86

0.66

$5,000

$1,000

1.10

0.85

1.11

0.86

Rates subject to change without notice.  Deposits over $25,000.00 rates are increased by 0.20%, except on Special CDs.   Substantial penalty for early withdrawal of certificate accounts.  Interest will be paid annually and at maturity with the increase.

    *  If balance falls below minimum, then Interest Rate and APY revert to Regular Savings Rate.

  **  This rate may adjust on a monthly basis.

 *** Checking and Savings Account Rates are variable.

Fees could reduce earnings for those accounts that apply.

Rate changes stated above do not apply to Specials.

The rates shown above may change before your certificate renews.  Your certificate will renew at the rate in effect on the maturity date unless you give us other instructions.

Deposits insured up to $250,000.00 by the Federal Deposit Insurance Corporation (FDIC).