Rates

Rates Effective July 15, 2010

Kasasa Accounts

Kasasa Cash	Minimum Balance	Rate	APY ¹
When qualifications are met	$0.01 - $15,000	3.69%	3.75%
	balances over $15,000	0.10%	0.10%
When qualifications are not met	all balances	0.10%	0.10%

Kasasa Saver	Minimum Balance	Rate	APY ¹
When qualifications are met	$0.01 - $30,000	1.99%	2.01%
	balances over $30,000	1.00%	1.00%
When qualifications are not met	all balances	0.10%	0.10%

Personal Accounts

Account	Interest Rate	APY ¹
Personal NOW Checking	0.60%	0.60%
Savings Regular / Minor	0.75%	0.75%
Personal Money Manager ($2,500 required daily balance)	1.00%	1.00%

Business Accounts

Account	Interest Rate	APY ¹
Business NOW Checking (Sole Proprietor / Non-Profit)	0.60%	0.60%
Business Savings $500.00 required daily balance	0.85%	0.85%
Business Money Manager $2,500 required daily balance.	1.00%	1.00%

Certificate of Deposit (CD)

Term	Interest Rate	APY ¹
3 Month	0.50%	0.50%
6 Month	1.00%	1.00%
1 Year	1.25%	1.26%
2 Year	1.75%	1.76%

• $500 Minimum balance required.
• A penalty may be imposed for early withdrawal on CDs.

IRA

Term	Interest Rate	APY ¹
18 Month ²	1.75%	1.76%

• $500 Minimum balance required.
• A penalty may be imposed for early withdrawal.

Health Savings Account

Health Savings Account	Interest Rate	APY ¹
If your balance is $5,000.00 or more the interest rate paid on the entire balance in your account will be:	2.25%	2.27%
If your balance is greater than $2,500.00 and less than $4,999.99 the interest rate paid on the entire balance in your account will be:	1.50%	1.51%
If your balance is greater than $500.00 and less than $2,499.99 the interest rate paid on the entire balance in your account will be:	1.00%	1.00%
If your balance is less than $499.99 the interest rate paid on the entire balance in your account will be:	0%	0%

¹ APY = Annual Percentage Rate

² Additional deposits allowed on this IRA only. For more information, call (501) 376-0800.