MORTGAGE RATES

HOME EQUITY RATES*

*Mortgage Rates: Rates based on 80% loan to value using current appraisal on primary residence only. APR based on loan amount of $250,000. FICO score of 750 or better for each applicant. If either of these is greater or less, the rate will change.

**Home Equity Loan: APR of 6.10% for a fixed rate home equity loan with a term of five years and APR of 7.30% applies to the standard rate on terms from over five years and up to 15 years. Your APR will be based on the specific characteristics of your credit transaction, including evaluation of credit history, CLTV, property type, amount of credit, term and geographic location. A $99 origination fee is charged. Offer applies to owner-occupied properties of one or two units and is subject to change without notice. An automatic monthly payment is required. Payment example on a five-year loan for $25,000 with a 6.10% APR is $484.48 per month principal and interest. Payment example on a 15-year loan for $25,000 with a 7.30% APR is $228.92 per month principal and interest.

***Home Equity Line of Credit: Rates are tied to Wall Street Journal Prime Lending Rate and are subject to change monthly. Prime rate as of 1/24/2012 is 3.25%. Current margins range from .75% to 1.50% with rates ranging from 3.25% to 5.00%. Your APR will be based on the specific characteristics of your credit transaction, including evaluation of credit history, CLTV, property type and amount of credit. Rate will not exceed a maximum APR of 19%. A $99 origination fee is charged. For example, closing costs on a $25,000 home equity line of credit could range from $600 to $900. Offer applies to owner-occupied properties of one or two units only and is subject to change.

CHECKING / SAVINGS

CERTIFICATES OF DEPOSIT***

*No tiers. Rate paid on entire balance.

**The interest rate and annual percentage yield may change after account opening. Rates are subject to change. Fees could reduce the earnings on the account. Interest rates and Annual Percentage Yields (APY) are current as of 1/24/2012.

***Early withdrawal penalty:
12 months and under - 3 months of interest
18 months and up - 6 months of interest

CONSUMER LOANS