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   deposit rates         Rates Effective as of 09/02/2010

Certificate of Deposit(IRA)Term:  Opening
Minimum
Interest Rate APY* 
3 Months $1,000 0.50% 0.50%
6 Months $1,000 0.75% 0.75%
9 Months
Access-ible**
$1,000 1.00% 1.00%
12 Months $1,000 1.09% 1.10%
18 Months $1,000 1.19% 1.20%
24 Months $1,000 1.44% 1.45%
36 Months $1,000 1.59% 1.60%
48 Months $1,000 1.79% 1.80%
60 Months $1,000 2.23% 2.25%
Certificate of Deposit (IRA) -(Jumbo): 
3 Months $100,000 0.50% 0.50%
6 Months $100,000 0.75% 0.75%
9 Months
Access-ible**
$100,000 1.00% 1.00%
12 Months $100,000 1.09% 1.10%
18 Months $100,000 1.19% 1.20%
24 Months $100,000 1.44% 1.45%
36 Months $100,000 1.59% 1.60%
48 Months $100,000 1.79% 1.80%
60 Months $100,000 2.23% 2.25%
Savings Accounts: 
Savings $100 0.30% 0.30%
Money Market $2,500 0.40% 0.40%
Access Advantage MMA $0 - $24,999.99 0.50% 0.50%
Access Advantage MMA $25,000-$49,999.99 0.75% 0.75%
Access Advantage MMA $50,000 - OVER 0.85% 0.85%
Checking Accounts: 
Interest Checking $1,000 0.25% 0.25%
Business Interest Checking $1,000 0.25% 0.25%
Access Plus Checking*** $100 2.25%

2.27%

IOLTA $100 0.70% 0.70%

*Annual Percentage Yield

**Allows for deposits after opening and once a month withdrawal.  Is not IRA eligible.

***Quoted rate paid on balances up to $25,000; Interest Checking rate is paid on balances in excess of $25,000. Certain account activity required. Call us at (940)382-3962 for details.

Fees could reduce earnings.

Rates are subject to change at anytime without notice.

Withdrawals made from Certificates of Deposit may cause an early withdrawal penalty.




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