Current Rates

Effective Date: July 1, 2010

Account Name	Minimum Deposit	Interest Rate	APY*	Disclosures
Citizens Bonus Checking	$100	.25%	.25%	View Disclosure
Citizens Classic Savings	$100	.25%	.25%	View Disclosure
Citizens Christmas Club Savings	$50	.25%	.25%	View Disclosure
Citizens Interest Checking	$1,500	.25%	.25%	View Disclosure
Citizens Ultimate Interest Checking	$4,000	.25%	.25%	View Disclosure
Citizens Personal Money Market	$2,500	.50%	.50%	View Disclosure
Citizens Commercial Money Market	$10,000	.50%	.50%	View Disclosure
Citizens Investment Plus 1	$20,000	0.75%	0.75%	View Disclosure
Citizens Investment Plus 2	$50,000	0.75%	0.75%	View Disclosure
Citizens Investment Plus 3	$75,000	1.00%	1.00%	View Disclosure
Citizens Investment Plus 4	$100,000	1.25%	1.25%	View Disclosure
3 Month CD	$2500	0.50%	0.50%	View Disclosure
6 Month CD	$2500	1.10%	1.10%	View Disclosure
9 Month CD	$2500	1.35%	1.36%	View Disclosure
12 Month CD	$500	1.50%	1.50%	View Disclosure
18 Month CD	$500	1.30%	1.30%	View Disclosure
24 Month CD	$500	1.75%	1.73%	View Disclosure
30 Month CD Special	$50,000	2.10%	2.12%	View Disclosure
36 Month CD	$500	2.35%	2.30%	View Disclosure
48 Month CD	$500	2.50%	2.41%	View Disclosure
60 MONTH CD	$500	2.85%	2.70%	View Disclosure
IRA (3 yr fixed) CD	$100	2.35%	2.30%	View Disclosure

*APY refers to Annual Percentage Yield.