Deposit / Loan Rates

All interest rates are subject to change without notice. Effective Annual Percentage Yields (APY) listed are as of 9/2/2010.

Checking Accounts

Account	Interest Rate	APY	Term	Additional Information	Min Bal. To Obtain APY
High Yield Checking	3.450	3.51	-	On balances up to 25,000, if account qualifies. Balances over $25,000 receive .75% APY. Non-qualifying accounts receive 0.05% APY.	Balances up to $25,000,
Star Checking	1.000	1.00	-	Combined balance of $20,000+ (seniors 55 and over must have $10,000+) in Star Checking Account and any savings account. Monthly direct deposit required.	$50 Minimum deposit to open
GenGold Checking	0.500	0.50	-	$4 monthly maintenance fee.	$100 Minimum balance
N.O.W. Checking	0.500	0.50	-	$5 monthly fee if balance goes below $100	$100 Minimum balance

Savings & Money Market Accounts

Account	Interest Rate	APY	Term	Additional Information	Min Bal. To Obtain APY
Savings (Statement)	0.740	0.75	-		$100 Minimum deposit to open
Savings (Passbook)	0.740	0.75	-		$100 Minimum deposit to open
KFS Kid's Club Account	0.980	1.00	-		$10 Minimum deposit to open
Money Market Account	0.740	0.75	-	Rate lower if balance drops below $2,500	$2,500 Minimum deposit to open
Tiered Money Market Account	0.980	1.00	-	Rate lower if balance drops below $50,000	$50,000
-	0.880	0.90	-	Rate lower if balance drops below $25,000	$25,000-$49,999
-	0.740	0.75	-	Rate lower if balance drops below $10,000	$10,000-$24,999
-	0.490	0.50	-	Balances below $2,500 earn no interest	$2,500-$9,999
Holiday Club	0.980	1.00	-		$5 Minimum deposit to open

Certificate Of Deposit Accounts

*Note: Penalties for early withdrawal may be imposed resulting in possible loss of principal.

Retirement Accounts

*Note: Penalties for early withdrawal may be imposed resulting in possible loss of principal.

Fixed Rate Balloon Mortgage

Account	Interest Rate	APR	Term	Additional Information	Monthly Payment per $1,000	Calc. Amount	Calc. Button
15/30 Balloon Rate	4.250	4.346	360	$1,000,000.00 Max, 1-4 Family Owner Occupied, 95% Max LTV, PMI Required with less than 20% down, Call for Jumbo Rates	4.92

Fixed Rate Mortgage

Account	Interest Rate	APR	Term	Additional Information	Monthly Payment per $1,000	Calc. Amount	Calc. Button
10 Year Fixed Rate	3.750	3.936	120	Loan Amounts to $1,000,000.1-4 Family Owner Occupied, 95% Max LTV, PMI Required with less than 20% down, Call for Jumbo Rates	10.01
15 Year Fixed Rate	3.875	4.006	180	Loan Amounts to $1,000,000. 1-4 Family Owner Occupied, 95% Max LTV, PMI Required with less than 20% down, Call for Jumbo Rates	7.33
20 Year Fixed Rate	4.250	4.357	240	Loan Amounts to $1,000,000. 1-4 Family Owner Occupied, 95% Max. LTV, PMI Required with less than 20% down, Call for Jumbo Rates	6.19
25 Year Fixed Rate	4.875	4.972	300	Loan Amounts to $1,000,000. 1-4 Family Owner Occupied, 95% Max LTV, PMI Required with less than 20% down, Call for Jumbo Rates	5.77
30 Year Fixed Rate	4.875	4.960	360	Loan Amounts to $1,000,000. 1-4 Family Owner Occupied. 95% Max LTV. PMI Required with less than 20% down, Call for Jumbo Rates	5.29

Adjustable Rate Mortgage

Account	Interest Rate	APR	Term	Additional Information	Monthly Payment per $1,000
1/1/30 Adjustable Rate	3.875	3.137	360	2.75% Margin - 2/6 Caps , $1,000,000.00 Max., 1-4 Family Owner Occupied, 95% Max. LTV, PMI Required with less than 20% down, Call for Jumbo Rates	4.70
3/1/30 Adjustable Rate	3.875	3.263	360	2.75% Margin - 2/6Caps, $1,000,000.00 Max., 1-4 Family Owner Occupied, 95% Max LTV, PMI Required with less than 20% down, Call for Jumbo Rates	4.70
5/1/30 Adjustable Rate	4.000	3.423	360	2.75% Margin - 2/6 Caps, $1,000,000.00 Max., 1-4 Family Owner Occupied, 95% Max LTV, PMI Required with less than 20% down, Call for Jumbo Rates	4.77
7/1/30 Adjustable Rate	4.500	3.786	360	2.75% Margin - 2/6Caps, $1,000,000.00 Max., 1-4 Family Owner Occupied, 95% Max LTV, PMI Required with less than 20% down, Call for Jumbo Rates	5.07
10/1/30 Adjustable Rate	4.875	4.260	360	2.75% Margin - 2/6 Caps, $1,000,000.00 Max., 1-4 Family Owner Occupied, 95% Max LTV, PMI Required with less than 20% down, Call for Jumbo Rates	5.29
5/5/30 Adjustable Rate	5.000	4.611	360	2.75% Margin - 2/6 Caps, $1,000,000.00 Max., 1-4 Family Owner Occupied, 95% Max. LTV, PMI Required with less than 20% down, Call for Jumbo Rates	5.37

Home Equity Line of Credit

Account	Interest Rate	APR	Term	Additional Information	Monthly Payment per $1,000
15 Year Revolving Credit Line	5.000	5.000	180	$500,000.00 Max., 75% LTV , 1-4 Family Owner Occupied, Prime Rate minus .50%; the maximum rate is 18.00% (ceiling rate) and the minimum rate is 5.00% (the floor rate). **An appraisal fee of $300.00 is required for loan amounts in excess of $250,000.	Min Monthly Prin Install $100.00
15 Year Fixed LOC	6.750	6.750	180	$500,000.00 Max., 80% Max. LTV, 1-2 Family Owner Occupied. **An appraisal fee of $300.00 is required for loan amounts in excess of $250,000.	Min Monthly Prin Install $100.00

Home Equity Loan

Account	Interest Rate	APR	Term	Additional Information	Monthly Payment per $1,000	Calc. Amount	Calc. Button
5 Years Fixed Rate Equity	4.750	4.916	60	$500,000.00 Max, 80% Max LTV, 1-2 Family Owner Occupied, 70% Max LTV on Condos, NO APPLICATION FEES. *An appraisal fee of $300.00 is required for loan amounts in excess of $250,000.	18.76
10 Years Fixed Rate Equity	5.000	5.095	120	$500,000.00 Max, 80% Max LTV, 1-2 Family Owner Occupied, 70% Max LTV on Condos, NO APPLICATION FEE. *An appraisal fee of $300.00 is required for loan amounts in excess of $250,000.	10.61
15 Years Fixed Rate Equity	5.125	5.191	180	$500,000.00 Max., 80% Max. LTV, 1-2 Family Owner Occupied, 70% Max. LTV on Condos, NO APPLICATION FEE *An appraisal fee of $300.00 is required for loan amounts in excess of $250,000.	7.97
20 Year Fixed Rate Equity	5.375	5.432	240	$500,000.00 Max., 80% Max. LTV, 1-2 Family Owner Occupied, 70% Max. LTV on Condos, NO APPLICATION FEE *An appraisal fee of $300.00 is required for loan amounts in excess of $250,000.	6.81

All interest rates are subject to change without notice. Effective Annual Percentage Rate (APR) listed are as of 9/2/2010.