Rates

Certificates of Deposit*   APY Rate $500.00 Minimum to open ** 7-31 Day .20% .20% 90 Day .30% .30% 6 Month .60% .60% 12 Month 1.20% 1.19% 24 Month 1.80% 1.79% 36 Month 2.00% 1.98% 48 Month 2.30% 2.28% 60 Month 3.00% 2.96% *Great Rate $10,000.00 Minimum to open ** 7-31 Day .30% .30% 90 Day .40% .40% 6 Month .70% .70% 12 Month 1.30% 1.29% 24 Month 1.91% 1.89% 36 Month 2.10% 2.08% 48 Month 2.41% 2.38% 60 Month 3.00% 2.96% *Great Rate IRA Accounts * $250.00 Minimum to open ** 12 Month CD 1.30% 1.29% 24 Month CD 1.90% 1.89% 36 Month CD 2.10% 2.08% 60 Month CD 3.00% 2.97% *Great Rate I.R.A. Annual Percentage, yield compounded quarterly

Interest Checking Money Market Minimum Balance ** APY Rate $1000 - $24,999.99 .25% .25% $25,000.00 - $49,999.99 .50% .50% $50,000.00 - $99,999.99 .75% .75% $100,000.00 - 249,999.99 1.00% 1.00% $250,000 - over 1.25% 1.24% NOW $500.00 minimum balance to open .20% .20% Statement Savings ***   APY Rate Regular Savings: $0.00 - $14,999.99 .25% .25% Regular Savings: $15,000.00 - $99,999.99 .40% .40% Regular Savings: $100,000 + .75% .75% APY = Annual Percentage Yield *Penalty may apply for early withdrawal. **Must maintain minimum balance to obtain the disclosed annual percentage yield. Fees may affect earnings on the accounts. ***$50.00 minimum to open - A monthly flat service charge will apply if balance falls below mimimum requirement Christmas Club (Starts October maturing the following October) *   APY Rate Coupon Book .40% .40% Automatic .50% .50% Vacation Club (Starts May maturing the following May) *   APY Rate Coupon Book .40% .40% Automatic .50% .50%

Rates may change without notice. Last updated: March 09, 2010
For the latest Mortgage rates and information contact our Loan department at 570-799-0176 or lmorris@unbmountcarmel.com. Please do not include any personal information in your emails as the emails are not encrypted to protect personal information.