Interest Rates and Annual Percentage Yields are effective as of JuLY 23, 2010                     

Consumer Money Market, Savings and NOW Account Rates

Account	Minimum Balance	Compounded / Credited	Interest Rate	Annual Percentage Yield
Premium Money Market Savings*	$5,000 $25,000 $50,000 $100,000 $250,000	Monthly/Monthly	0.65% 0.70% 0.75% 0.80% 0.85%	0.65% 0.70% 0.75% 0.80% 0.85%
Statement Savings**	$100	Daily/Quarterly	.15%	.15%
Junior Statement Saver**	$.01	Daily/Quarterly	.20%	.20%

                   

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Interest rate and Annual Percentage Yield (APY) may change. Fees may reduce earnings.

*For NOW, and Premium Accounts, Annual Percentage Yield (APY) is based on 365 days with interest compounded and credited monthly provided money is left on deposit for a full calendar year.

**For Statement Savings and Junior Statement Saver, Annual Percentage Yield (APY) is based on 365 days with interest compounded daily and credited quarterly provided money is left on deposit for a full calendar year.