Deposit Account Rates

(Rates Subject to Change Daily)

Rates Current as of: November 6, 2009
Last Rate Change: November 3, 2009

Account Type	Interest Rate	Annual Percentage Yield	Minimum Deposit to Open Account	Minimum Balance* To Obtain Annual Percentage Yield
CHECKING ACCOUNTS

Simply Free Checking	No Interest		$50.00	N/A	Apply Now!
Regular Checking	No Interest		$100.00	N/A	Apply Now!
Interest Checking	0.20%	0.20%	$100.00	$500.00	Apply Now!
Investor's Money Market Checking	0.70%	0.70%	$5,000	$100,000 or more	Apply Now!
	0.60%	0.60%		$50,000-99,999
	0.45%	0.45%		$25,000-49,999
	0.30%	0.30%		$15,000-24,999
	0.25%	0.25%		$5,000-14,999
	0.00%	0.00%		$1-4,999
Business Checking	No Interest		$100	N/A
Business Interest Checking	.20%	.20%	$100	$2,500

Account Type	Interest Rate	Annual Percentage Yield	Minimum Deposit to Open Account	Minimum Balance* To Obtain Annual Percentage Yield
SAVINGS ACCOUNTS

Regular Savings	0.30%	0.30%	$100	$300	Apply Now!
Gold Money Market Savings	0.80%	0.80%	$5,000	$100,000 or more	Apply Now!
	0.70%	0.70%		$50,000-99,999
	0.55%	0.55%		$25,000-49,999
	0.40%	0.40%		$15,000-24,999
	0.35%	0.35%		$5,000-14,999
	0.00%	0.00%		$1-4,999
Business Money Market Savings	0.80%	0.80%	$5,000	$100,000 or more
	0.75%	0.75%		$50,000-99,999
	0.55%	0.55%		$25,000-49,999
	0.40%	0.40%		$15,000-24,999
	0.35%	0.35%		$5,000-14,999
	0.00%	0.00%		$1-4,999

Account Type	Interest Rate	Annual Percentage Yield	Minimum Deposit to Open Account	Minimum Balance* To Obtain Annual Percentage Yield
CERTIFICATES OF DEPOSIT

1 Month CD	0.70%	0.70%	$10,000	$10,000	Apply Now!
2 Month CD	0.70%	0.70%	$10,000	$10,000	Apply Now!
3 Month CD	0.70%	0.70%	$500	$500	Apply Now!
3 Month CD	0.80%	0.80%	$10,000	$10,000	Apply Now!
4 Month CD	0.80%	0.80%	$10,000	$10,000	Apply Now!
5 Month CD	0.90%	0.90%	$10,000	$10,000	Apply Now!
6 Month CD	0.85%	0.85%	$500	$500	Apply Now!
7 Month CD	0.90%	0.90%	$10,000	$10,000	Apply Now!
8 Month CD	1.00%	1.00%	$10,000	$10,000	Apply Now!
9 Month CD	1.00%	1.00%	$10,000	$10,000	Apply Now!
10 Month CD	1.00%	1.00%	$10,000	$10,000	Apply Now!
12 Month CD	1.14%	1.15%	$500	$500	Apply Now!
14 Month CD	1.29%	1.30%	$10,000	$10,000	Apply Now!
15 Month CD	1.39%	1.40%	$10,000	$10,000	Apply Now!
18 Month CD	1.49%	1.50%	$500	$500	Apply Now!
24 Month CD	1.74%	1.75%	$500	$500	Apply Now!
25 Month CD	1.88%	1.90%	$1,000	$1,000	Apply Now!
30 Month CD	2.08%	2.10%	$500	$500	Apply Now!
36 Month CD	2.33%	2.36%	$500	$500	Apply Now!
60 Month CD	2.72%	2.75%	$500	$500	Apply Now!
18 Month Retirement Plan	1.65%	1.65%	$250	$250

Account Type	Interest Rate	Annual Percentage Yield	Minimum Deposit to Open Account	Minimum Balance* To Obtain Annual Percentage Yield
JUMBO CERTIFICATES OF DEPOSIT

30 to 59 Day	0.85%	0.85%	$99,000	$99,000
60 to 89 Day	0.90%	0.90%	$99,000	$99,000
90 to 119 Day	1.00%	1.00%	$99,000	$99,000
120 to 149 Day	1.05%	1.06%	$99,000	$99,000
150 to 179 Day	1.05%	1.06%	$99,000	$99,000
180 to 239 Day	1.05%	1.06%	$99,000	$99,000
240 to 269 Day	1.14%	1.15%	$99,000	$99,000
270 to 365 Day	1.29%	1.30%	$99,000	$99,000
2 Year	1.93%	1.95%	$99,000	$99,000
3 Year	2.37%	2.40%	$99,000	$99,000
5 Year	2.76%	2.80%	$99,000	$99,000

*Minimum Balance (the amount of principal in the account each day)
A penalty may be imposed for withdrawals before maturity from term accounts.
Fees imposed on your account may affect the Annual Percentage Yield.
Contact Customer Service at 1-800-874-9779 for further information about applicable fees and terms.
Offices Throughout Northern California
For the office nearest you call 1-800-874-9779
Deposits Federally Insured to $250,000 and Backed by the Full Faith Credit of the U.S. Government.

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