Rates

Date Last Updated: September 3, 2010

Certificates of Deposit & Retirement Accounts | Savings Accounts
Checking Accounts | Mortgage Loans

Certificates of Deposit & Retirement Accounts

CD Specials
Term	Minimum Balance Required	Annual Percentage Yield
7 Month Special	$10,000	.60%
13 Month Special	$10,000	1.00%

IRA Specials
Term	Minimum Balance Required	Annual Percentage Yield
13 Month Special	$10	1.00%
24 Month Special	$10	1.50%

Regular Offerings: Annual Percentage Yield Based on Balance
Term	$2,000 to $9,999	$10,000 to $24,999	$25,000 and over
91 Day	.15%	.35%	.45%
182 Day	.20%	.40%	.50%
10 Month	.40%	.60%	.70%
12 Month	.55%	.75%	.85%
18 Month	.90%	1.10%	1.20%
24 Month	1.10%	1.30%	1.40%
30 Month	1.50%	1.70%	1.80%
48 Month	1.60%	1.80%	1.90%
60 Month	1.80%	2.00%	2.10%
Note: All Terms are Available for IRA Investments.

Rates subject to change. Fees may reduce earnings on your account. A penalty may be imposed for early withdrawal of a CD.

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Savings & Checking Accounts

Savings & Checking
Type of Account	Minimum Opening Deposit	Minimum Balance for APY	Interest Rate	APY
Statement Savings	$100	$100	.045%	.05%
Childrens Savings	$25	$25	.045%	.05%
Prestige Money Market Savings	$2,500	$500,000 and over	.545%	.55%
Prestige Money Market Savings	$2,500	$100,000 to $499,999	.445%	.45%
Prestige Money Market Savings	$2,500	$50,000 to $99,999	.295%	.30%
Prestige Money Market Savings	$2,500	$10,000 to $49,999	.200%	.20%
Prestige Money Market Savings	$2,500	$2,500 to $9,999	.045%	.05%
IRA Savings	$100	$1	.745%	.75%
Health Savings	$1	$500,000 and over	.545%	.55%
Health Savings	$1	$100,000 to $499,999	.445%	.45%
Health Savings	$1	$50,000 to $99,999	.295%	.30%
Health Savings	$1	$10,000 to $49,999	.200%	.20%
Health Savings	$1	$2,500 to $9,999	.045%	.05%
Value Checking	$100	$100	.150%	.15%
Premier Checking	$1,000	$1,000	.045%	.05%
Premier Plus Checking	$1,000	$1,000 to $4,999	.045%	.05%
Premier Plus Checking	$1,000	$5,000 to $24,999	.095%	.10%
Premier Plus Checking	$1,000	$25,000 and over	.145%	.15%
50+ Interest Checking	$100	$10,000 and over	.095%	.10%
50+ Interest Checking	$100	$1,000 to $9,999	.045%	.05%

Rates subject to change. Fees may reduce earnings on your account.

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Mortgage Loans

Please note that the interest rate and fees shown are available to borrowers with an excellent credit history. The actual interest rate and fees available to you will be based on your credit history and may be different than the rates displayed here.

No Discounts - No Origination Fee Fixed 15 Year Mortgage
Rate	Points	Orig. Fee	APR*	Mo. Payment
4.250%	0	0	4.300%	$1,504.56
*APR (Annual Percentage Rate) is based on a $200,000 conventional loan amount with 20% down, no PMI costs, and $1,056.32 in pre-paid closing costs.

No Discounts - No Origination Fee Fixed 30 Year Mortgage
Rate	Points	Orig. Fee	APR*	Mo. Payment
4.750%	0	0	4.779%	$1,043.29
*APR (Annual Percentage Rate) is based on a $200,000 conventional loan amount with 20% down, no PMI costs, and $1,097.41 in pre-paid closing costs.

Interest Rates are subject to change. Please contact us for current rates.

Important Notices

The monthly payment amount shown includes principal and interest only. Your actual monthly payment will be higher if an escrow account for taxes and insurance or mortgage insurance is required.
Your APR will vary based on your final loan amount and finance charges.
Please note that the interest rate and fees shown here are based on an assumed credit score of 740. The actual interest rate and fees available to you will be based on your credit history and may be different than the rates displayed here.
After completing an application, a Mortgage Banker will discuss the rates you qualify for and a more accurate itemization of fees will be provided.
Ask for a disclosure of all fees before making a decision since lenders label fees differently.

Please call a Mortgage Banker at (402) 334-9669 for additional information about our interest rate lock policies and procedures.