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Checking, Savings and CD Accounts
Interest Rates and Terms                                       Effective: 03/11/2010
Type
Term
Rate
APY*
Bonus Rate
Bonus APY*
Min. Opening Balance
Certificate
Certificate
Certificate
Certificate
Certificate
Certificate
Certificate
Certificate
Certificate
Certificate
Certificate
Certificate
Certificate
Certificate
Certificate
Certificate
Passbook
Statement Savings
Statement Savings
Crystal Checking
Crystal Checking
N.O.W.
Super N.O.W.
Super N.O.W.
Money Market
Money Market
Clubs
75 Day
3 Month
4 Month
6 Month
8 Month
9 Month
11 Month
12 Month
14 Month
15 Month
18 Month
24 Month
25 Month
30 Month
36 Month
50 Month
-
-
-
-
-
-
-
-
-
-
-
1.03%
1.08%
1.13%
1.18%
1.27%
1.27%
1.27%
1.37%
1.57%
1.61%
1.66%
2.10%
2.15%
2.34%
2.58%
3.06%
0.98%
0.98%
1.18%
0.98%
1.13%
0.49%
0.49%
0.59%
0.49%
1.03%
0.98%
1.05%
1.10%
1.15%
1.20%
1.30%
1.30%
1.30%
1.40%
1.60%
1.65%
1.70%
2.15%
2.20%
2.40%
2.65%
3.15%
1.00%
1.00%
1.20%
1.00%
1.15%
0.50%
0.50%
0.60%
0.50%
1.05%
1.00%
-
-
-
-
-
-
-
-
-
-
-
-
2.40%**
-
-
3.31%**
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
2.46%**
-
-
3.41%**
-
-
-
-
-
-
-
-
-
-
-
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$50.00
.01 to $24,999.00
$25,000.00+
.01 to 14,999.00
15,000+
$50.00
.01 to 2,499.00
2,500.00+
.01 to 2,499.00
$2,500.00+
$1.00

Interest rates and terms are subject to change without prior notice.
Penalties may be imposed for early withdrawal.
Fees may reduce earnings on account.

All certificates available for IRA Accounts.

 *Annual Percentage Yield
**With Crystal Checking Account

The USA PATRIOT ACT requires identity verification for all new accounts. It is our policy that all owners of new accounts appear in person.