Deposit Rates

17-Month Bump Up CD Special* (Effective: July 29, 2010)
Program Term APY
17-Month Bump Up CD Special 17 Months 0.84%

*Annual percentage yield (APY) subject to change. Minimum deposit $1,000. Offer may be withdrawn at any time. A penalty will be imposed for early withdrawal. This product is not eligible for an IRA.

20-Month CD Special* (Effective: July 29, 2010)
Program Term APY
20-Month CD Special 20 Months 1.08%

*Annual percentage yield (APY) subject to change. Minimum deposit $1,000. Offer may be withdrawn at any time. A penalty will be imposed for early withdrawal. See disclosure for more information. This product is not eligible for an IRA.

20-Month Fixed Rate IRA Special* (Effective: July 29, 2010)
Program Term APY
20-Month Fixed Rate IRA Special 20 Months 1.08%

*Annual Percentage Yield (APY) assumes interest and principal remain on deposit for one year. A withdrawal will reduce earnings. Interest is credited on the last business day of the month. A penalty will be imposed for early withdrawal from a Certificate of Deposit. Fees could reduce earnings on the account. Interest is compounded continuously and the minimum balance to open the account and obtain the APY is $100.00

CDs & IRAs* (Effective: July 29, 2010)
Programs Term APY
CDs 3 Months 0.30%
6 Months 0.40%
12 Months 0.65%
18 Months 0.95%
24 Months 1.15%
30 Months 1.35%
36 Months 1.55%
48 Months 2.00%
60 Months 2.50%
Fixed Rate IRAs 12 Months 0.65%
18 Months 0.95%
24 Months 1.15%
30 Months 1.35%
36 Months 1.55%
48 Months 2.00%
60 Months 2.50%
Variable Rate IRA
0.30%

*Annual Percentage Yield (APY) assumes interest and principal remain on deposit for one year. A withdrawal will reduce earnings. Interest is credited on the last business day of the month. A penalty will be imposed for early withdrawal from a Certificate of Deposit. Fees could reduce earnings of the account. For certificates with terms up to 1 year, the minimum balance required to open the account and obtain the APY is $500.00, and the account pays simple interest. For certificates with terms of 1 year or more, the minimum balance required to open the account and obtain the APY is $500.00, and the interest is compounded continuously. For IRAs, the minimum balance required to open the account and obtain the APY is $100.00.

Preferred Money Market* (Effective: July 29, 2010)
Program Minimum Daily Balance
to earn APY
APY
Preferred Money Market $25 0.25%
$10,000 0.25%
$25,000 0.30%
$50,000 0.35%
$100,000 0.40%

*The minimum daily balance required to earn the stated Rate and Annual Percentage Yield (APY) on the Money Market Account is $25. Interest is compounded monthly and credited on the last business day of each month. Fees could reduce the earnings of the account. These are variable rate accounts where the interest rate and Annual Percentage Yield may change after the account is opened.

Preferred Savings* (Effective: July 29, 2010)
Program Minimum Daily Balance
to earn APY
APY
Preferred Savings Account $25 0.15%
$5,000 0.25%
$15,000 0.35%
$30,000 0.45%
$45,000 0.55%

*For Preferred Savings Accounts the minimum balance to open an account is $25. The minimum daily balance required to earn interest and obtain the Annual Percentage Yield is $25. Interest is compounded monthly and credited on the last business day of each month. Fees could reduce earnings of the account.

Premium Money Market* (Effective: July 29, 2010)
Program Minimum Daily Balance
to earn APY
APY
Premium Money Market $25 0.25%
$100,000 0.30%
$250,000 0.40%
$500,000 0.60%

*For Premium Money Market Accounts the minimum balance to open an account is $25. The minimum daily balance required to earn interest and obtain the Annual Percentage Yield is $25. There is a $20 service charge if the minimum daily balance of $20,000 is not maintained during the statement period. Interest is compounded monthly and credited on the last business day of each month. Fees could reduce earnings of the account. These are variable rate accounts where the interest rate and Annual Percentage Yield may change after the account is opened.

Savings and Checking Accounts* (Effective: July 29, 2010)
Program Minimum Daily Balance
to earn APY
Interest
Rate
APY
Passbook Savings $25.00 0.25% 0.25%
Statement Savings $25.00 0.25% 0.25%
Student Savings
(Student Statement Savings Accounts are available to students in participating elementary schools in conjunction with SAVE FOR AMERICA school savings program; there are no monthly service fees.)
$1.00 0.25% 0.25%
Club Account $1.00 0.25% 0.25%
NOW Checking Account $25.00 0.05% 0.05%
Money Market Account $2,500.00 0.30% 0.30%

*The minimum balance required to earn the stated Rate and Annual Percentage Yield (APY) on the Money Market Account is $2,500. If the balance is below $2,500 for any day, your account will earn our then current NOW Checking Account rate for that day. The minimum daily balance required to open accounts, earn interest and obtain the Annual Percentage Yield on the above accounts is $25 ($1 for Club Accounts and Student Savings).

Interest is compounded monthly and credited on the last business day of each month. Fees could reduce the earnings of the account.

These are variable rate accounts where the interest rate and Annual Percentage Yield may change after the account is opened.

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