Rates

November 09, 2009

Checking Accounts

Type of Account		Minimum Openings Deposit	Interest Rates	Annual Percentage Yield
Village 50 Free Checking	Balances up to $999.99	$50.00	0.50%	0.50%
	$1,000.00 and up		0.75%	0.76%
Village Free Interest Checking		$50.00	0.60%	0.60%
Village eRewards Plus	Daily Balances of Up to $24,999.99	$50.00	3.00%	3.04%
	$25,000.00 and up		0.50%	0.50%
Village MM Checking	Average Daily Balances of Up to $9,999.99	$50.00	0.50%	0.50%
	$10,000.00 - $24,999.99		0.70%	0.70%
	$25,000.00 - $49,999.00		0.80%	0.80%
	$50,000.00 - $100,000.00		0.90%	0.90%
	$100,000.01 - $999,999.99		1.05%	1.05%
Village Business MM	Average Daily Balances of Up to $9,999.99	$100.00	0.50%	0.50%
	$10,000.00 - $24,999.99		0.70%	0.70%
	$25,000.00 - $49,999.99		0.80%	0.80%
	$50,000.00 - $100,000.00		0.90%	0.90%
	$100,000.01 - $999,999.99		1.05%	1.05%
Non-Profit Checking		$100	0.50%	0.50%
Commercial Sweep Account	Earnings Credit Rate	$1,000.00	0.50%
IOLTA	$0.00 - $2,999.99	$100.00	0.00%	0.00%
	$3,000.00 - $9,999.99		0.20%	0.20%
	$10,000.00 and up		0.50%	0.50%

Savings

Type of Account		Minimum Openings Deposit	Interest Rate	Annual Percentage Yield
Village Savings		$50.00	1.05%	1.06%
Village Kids Club	Average Daily Balances of	$1.00
	Up to $9,999.99		2.50%	2.54%
	$10,000 and up		1.00%	1.00%
Village Business Savings		$50.00	1.05%	1.06%

Certificates of Deposit

	Minimum Openings Deposit	Interest Rates	Annual Percentage Yield
1 Month Certificate	$1,000.00	1.10%	1.10%
3 Month Certificate	$1,000.00	1.15%	1.16%
6 Month Certificate	$1,000.00	1.35%	1.36%
9 Month Certificate	$1,000.00	1.50%	1.51%
12 Month Certificate	$500.00	1.70%	1.71%
12 Month No Penalty Certificate (1 Withdrawal No Penalty)	$15,000.00	1.25%	1.26%
15 Month Certificate	$500.00	2.05%	2.07%
18 Month Certificate	$500.00	2.10%	2.12%
24 Month Certificate	$500.00	2.15%	2.17%
30 Month Certificate	$500.00	2.40%	2.43%
36 Month Certificate	$500.00	2.65%	2.68%
37 Month Certificate	$1,000.00	2.70%	2.74%
48 Month Certificate	$500.00	2.80%	2.84%
60 Month Certificate	$500.00	3.00%	3.04%

Retirement Accounts

	Minimum Openings Deposit	Interest Rates	Annual Percentage Yield
1 Year IRA	$500.00	1.70%	1.71%
18 Month Fixed Rate IRA	$500.00	2.10%	2.12%
2 Year IRA	$500.00	2.15%	2.17%
3 Year IRA	$500.00	2.65%	2.68%
4 Year IRA	$500.00	2.80%	2.84%
5 Year IRA	$500.00	3.00%	3.04%
IRA Savings	$100.00	1.75%	1.76%

A penalty may be imposed for early withdrawal of Certificate of Deposits, except for No Penalty Certificate of Deposits.

A Withdrawal and/or Fees May Reduce Earnings On the Account.

The APY for Certificate of Deposits assumes interest will remain on deposit until maturity.

Except for Certificate of Deposits, rates may change after the account is opened.

At anytime at the Bank's discretion, rates are subject to change.

For Up To Date Rate Information Please Call or Visit Your Local Bank Branch

Interest Rate Disclaimer:
Due to market fluctuations, interest rates are subject to change at any time and without notice. While we do our best to keep
this information updated, sometimes we are not able to post the latest revisions. Please contact us for today's current rates.