Checking Accounts
Account Type
Balance Requirement to Earn Interest
Interest Rate
Annual Percentage Yield
Balance Requirement to Avoid Service Charges
Monthly Service Charge
Regular Checking - Personal
None
N/A
N/A
None
None
Interest Checking - Personal and Sole Proprietorships
Daily balance $1,000 +
.25%
.25%
Average balance $1,000
$10
Platinum Checking - Personal
Daily Balance $5,000 +
Tiered
N/A
Combined deposit accounts avg. $25,000
$5
$5,000 - $24,999
.25%
.25%
$25,000 - $49,999
.50%
.50%
$50,000 - $99,999
.80%
.80%
$100,000 and Over
1.10%
1.11%
Platinum 50 Checking - Age 50 or more - Personal
None
N/A
N/A
N/A
N/A
Free Business Checking*
N/A
N/A
N/A
N/A - activity limits
Commercial Checking
N/A
N/A
N/A
Activity and balances are analyzed
Rates effective as of July 23, 2008
*Limited activity - 1,000 total transactions including checks paid, deposits, deposited items.
Rates are subject to change after the account is opened.
Fees may reduce earnings on interest bearing accounts.


Savings Accounts
Account Type
Balance Requirements To Earn Interest
Interest Rate
Annual Percentage Yield
Balance Requirements To Avoid Service Charges
Service Charge
Treehouse Savings Club - Age 6-18
$5 - $500
3.00%
3.03%
none; $5 to open
N/A
Over $500
.75%
.75%
none
N/A
Premium Savings
Up to $9,999
.75%
.75%
Daily balance $200
$10/qtr.
$10,000 - $24,999
.90%
.90%
Daily balance $200
$10/qtr.
$25,000 - $49,999
1.10%
1.11%
Daily balance $200
$10/qtr.
$50,000 and Over
1.30%
1.31%
Daily balance $200
$10/qtr.
Platinum Money Market**
$0 - $24,999
.31%
.31%
Monthly average $10,000
$10/mo.
$25,000 - $49,999
.81%
.81%
Monthly average $10,000
$10/mo.
$50,000 - $99,999
1.41%
1.42%
Monthly average $10,000
$10/mo.
$100,000 - $249,999
1.41%
1.42%
Monthly average $10,000
$10/mo.
$250,000 and over
1.51%
1.52%
Monthly average $10,000
$10/mo.
Money Market Savings Plus**
$1,000 - $24,999
.40%
.40%
Monthly average $1,000
$10/mo.
$25,000 - $49,999
.60%
.60%
Monthly average $1,000
$10/mo.
$50,000 - $99,999
.90%
.90%
Monthly average $1,000
$10/mo.
$100,000 and Over
1.20%
1.21%
Monthly average $1,000
$10/mo.
Regular Savings
Balance $10
.75%
.75%
Daily balance $200
$10/qtr.
Christmas Club Savings
Open until maturity
.75%
.75%
Forfeit interest if cashed prior to maturity
N/A
Rates effective as of July 23, 2008
**Limited check writing.
Rates are subject to change after the account is opened.
Fees may reduce earnings on the account.


Certificates of Deposit
*** Special CD Offers - Check Them Out ***
Term
Minimum Deposit
Interest Rate
Annual Percentage Yield
6 Month
$1,000
2.98%
3.00%
12 Month
$1,000
3.05%
3.09%
18 Month*
$1,000
3.14%
3.18%
24 Month
$1,000
3.34%
3.38%
30 Month
$1,000
3.44%
3.48%
36 Month
$1,000
3.54%
3.59%
48 Month
$1,000
3.70%
3.75%
60 Month
$1,000
3.97%
4.03%
Rates effective as of July 23, 2008
Penalty for early withdrawal.
*One penalty-free withdrawal allowed after 6 months