Mutual Rewards:
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Personal Banking Rates

Savings, Certificates of Deposit, and IRAs Rates

Effective Date: 03/18/2010

Mutual Rewards Savings Account
Minimum Average Balance to earn APY	Annual Percentage Yield
$100,000 or more	0.85%
$25,000 to $99,999.99	0.70%
$10,000 to $24,999.99	0.55%
$2,500 to $9,999.99	0.40%
$0 to $2,499.99	0.25%

This is a variable rate account and the Annual Percentage Yield may change at any time. Any withdrawals could reduce earnings. For more information on terms, rates, or products, please contact us.

Certificates of Deposit (CDs)
Term	Minimum Deposit	Annual Percentage Yield
91 Day	$1,500	0.40%
6 Months	$1,500	0.50%
7 Months	$5,000	0.85%
1 Year	$1,500	1.00%
2 Years	$1,500	1.51%
3 Years	$1,500	2.22%
4 Years	$1,500	2.68%
5 Years	$1,500	3.14%

The Annual Percentage Yield may change at any time. The annual percentage yield assumes interest remains on deposit until maturity and funds are renewed at the same rate and remain on deposit for one year. A substantial penalty may be imposed for early withdrawals, however our 91-day certificate allows for no penalty for withdrawals made every 7 days. Any withdrawals could reduce earnings. For more information on terms, rates, or products, please contact us.

Individual Retirement Accounts (IRAs)
Term	Minimum Deposit	Annual Percentage Yield
1 Year	$500	1.11%
2 Years	$500	1.61%
3 Years	$500	2.32%
4 Years	$500	2.78%
5 Years	$500	3.45%
4 Year Variable *	N/A	1.61%

* Rate applies to accounts opened after 7/1/2009.
The Annual Percentage Yield may change at any time. The annual percentage yield assumes interest remains on deposit until maturity. A substantial penalty may be imposed for early withdrawal. These yields may be applied to either a Traditional or a Roth IRA. Ask your financial advisor about which may benefit you most. For more information on terms, rates, or products, please contact us.

Mortgage Rates

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Consumer Loan Rates

Home Equity Fixed Rate Loans
Term	Interest Rate	Annual Percentage Rate	Monthly Payment Rate per $10,000 Borrowed
10 Years	6.0%	6.0%	$111.03
15 Years	6.5%	6.5%	$87.13

For more information on terms, rates, or products, please contact one of our loan officers. Please click here to use one of our calculators to figure your payment amount.

Home Equity Variable Rate Line of Credit
Term	Interest Rate	Annual Percentage Rate	Monthly Payment
10 Years 5 year draw period	3.25%	3.25%	Interest only or 1.5% of loan balance payable monthly

Rates and points are subject to change at any time without notice. Property insurance is required. Rates are subject to change monthly, equal to the prime rate published in the Wall Street Journal plus a margin. Maximum annual percentage rate is 18%. You may be required to pay certain fees to third parties (for example,a title search, title insurance and a property appraisal). These fees generally cost between $0 and $500.