RATES 

  Certificate of Deposit Rates
as of June 29, 2010

TERM OF CD	MINIMUM BALANCE	RATE	APY
90 Days	$1,000	0.35%	0.35%
6 Months	$1,000	0.40%	0.40%
12 Months	$1,000	0.75%	0.75%
13 Months w/HNB Checking account	$5,000	1.20%	1.21%
18 Months	$1,000	1.00%	1.00%
24 Months	$1,000	1.00%	1.00%
28 Months w/HNB Checking Account	$5,000	2.00%	2.02%
30 Months	$1,000	1.00%	1.00%
35 Months w/HNB Checking Account	$5000	2.03%	2.05%
36 Months	$1,000	1.35%	1.36%
48 Months*	$1,000	2.65%	2.68%
5 Years*	$1,000	2.75%	2.78%

Penalty for Early CD Withdrawal
CDs maturing in 1 year or less - penalty is 3 months of interest earned or would have been earned.
CDs maturing in over 1 year - penalty is 6 months of interest earned or would have been earned.

 *RENEWAL SPECIAL (receive an additional .25% APY bonus...ask for details!)

 IRA Rates
 as of April1 through June 30

	RATE	APY
$1,000.00 minimum	1.35%	1.36%

 IRA interest rates are subject to change quarterly and are based on the 30 Month CD rate.

Checking Deposit Rates
as of September 22, 2009 

	RATE	APY
Home Plus Checking
$.01 and above	0.25%	0.25%
Home Grand Checking
$.01 - $ 4,999.99	0.10%	0.10%
$ 5,000.00 - $ 9,999.99	0.25%	0.25%
$10,000.00 - $24,999.99	0.35%	0.35%
$25,000.00 - $49,999.99	0.35%	0.35%
$50,000.00 - $99,999.99	0.35%	0.35%
$100,000.00 and above	0.35%	0.35%

 Savings Deposit Rates
as of September 22, 2009

	RATE	APY
Home Savings	0.25%	0.25%
Home Grown Kids Club Savings	2.20%	2.21%
Home Tiered Savings
$          .01 - $  4,999.99	0.25%	0.25%
$  5,000.00 - $  9,999.99	0.25%	0.25%
$ 10,000.00 - $24,999.99	0.35%	0.35%
$ 25,000.00 - $49,999.99	0.35%	0.35%
$ 50,000.00 - $99,999.99	0.35%	0.35%
$100,000.00 and above	0.35%	0.35%