Interest Bearing Demand Accounts
Deposit Rates Effective
2/19/10
Monthly Average
Minimum to Open
Interest Rate**
APY*
Superior Checking
$1,500.00
$1,500 - $2,499.99
0.05%
0.05%
$2,500.00 or more
0.10%
0.10%
Prime Plus
$2,500.00
$24,999.99 or less
0.10%
0.10%
$25,000.00 - $49,999.99
0.20%
0.20%
$50,000.00 - $74,999.99
0.45%
0.45%
$75,000.00 or more
0.70%
0.70%
Distinctive Checking
$100.00
0.05%
0.05%
Quality Checking
$100.00
0.05%
0.05%
Regular Savings
$100.00
0.30%
0.30%
Dream Big Savings
$50.00
1.00%
1.00%
Business Analysis
Earnings Credit
0.25%
Sweep Account
0.30%
Public Funds Prime Plus
$2,500.00
0.21%
0.21%
*APY - Annual Percentage Yield
** The rate may change after the account is opened.
Fees could reduce earning on the account.


Time Certificates of Deposit / IRA's***
Deposit Rates Effective 2/19/10
Balance
$500.00 - $24,999.99
APY*
Balance
$25,000.00 +
APY*
3 months
0.18%
0.18%
0.23%
0.23%
6 months
0.25%
0.25%
0.30%
0.30%
9 months
0.36%
0.36%
0.41%
0.41%
12 months
0.47%
0.47%
0.52%
0.52%
16 month SPECIAL
1.39%
1.40%
1.39%
1.40%
18 months
0.85%
0.85%
0.90%
0.90%
24 months
1.22%
1.23%
1.27%
1.28%
30 months
1.55%
1.56%
1.60%
1.61%
33 month SPECIAL
2.21%
2.23%
2.21%
2.23%
3 years
1.87%
1.88%
1.92%
1.93%
4 years
2.36%
2.38%
2.41%
2.43%
5 years
2.85%
2.88%
2.90%
2.93%
IRA Variable**
tied to savings
0.30%
0.30%
*APY - Annual Percentage Yield
** The rate may change after the account is opened.
***Penalty for early withdrawal.
Fees could reduce earning on the account.
$500 minimum balance to open