Rates

Effective March 5, 2010 thru March 11, 2010
Interest rates may change at any time at the bank's discretion
PRIME RATE: 3.25% ANNUAL PERCENTAGE RATE (APR) – EFFECTIVE 12/17/08

CHECKING ACCOUNTS
Consumer Accounts	Interest Rate	Annual Percentage Yield	Balance Ranges	Compounding Method
Community Interest and Prestige Checking	0.25%	0.25%	$0 - $9,999	Daily
	0.50%	0.50%	$10,000 - $19,999	Daily
	0.75%	0.75%	$20,000 and over	Daily
Community Premier Checking	0.60%	0.60%	$0 - $9,999	Daily
	0.70%	0.70%	$10,000 - $24,999	Daily
	0.80%	0.80%	$25,000 - $49,999	Daily
	1.19%	1.20%	$50,000 and over	Daily
Health Savings Account	1.24%	1.25%		Daily
Business Accounts	Interest Rate	Annual Percentage Yield	Balance Ranges	Compounding Method
Community Business Interest Checking	0.25%	0.25%	$0 - $9,999	Daily
	0.50%	0.50%	$10,000 - $19,999	Daily
	0.75%	0.75%	$20,000 and over	Daily
IOLTA / IOTA Interest Checking	0.25%	0.25%	$0 - $9,999	Daily
	0.50%	0.50%	$10,000 - $19,999	Daily
	0.50%	0.50%	$20,000 - $49,999	Daily
	1.34%	1.35%	$50,000 & over	Daily

SAVINGS ACCOUNTS
Consumer Accounts	Interest Rate	Annual Percentage Yield	Balance Ranges	Compounding Method
Community Passbook Savings	0.50%	0.50%		Daily
Community Statement Savings	0.50%	0.50%		Daily
Community Index Account	0.60%	0.60%	$0 - $9,999	Daily
	0.75%	0.75%	$10,000 - $24,999	Daily
	1.04%	1.05%	$25,000 - $49,999	Daily
	1.24%	1.25%	$50,000 - $99,999	Daily
	1.34%	1.35%	$100,000 and over	Daily
Business Accounts	Interest Rate	Annual Percentage Yield	Balance Ranges	Compounding Method
Community Business Statement Savings	0.50%	0.50%		Daily
Community Business Index Account	0.60%	0.60%	$0 - $9,999	Daily
	0.75%	0.75%	$10,000 - $24,999	Daily
	1.04%	1.05%	$25,000 - $49,999	Daily
	1.24%	1.25%	$50,000 - $99,999	Daily
	1.34%	1.35%	$100,000 and over	Daily
Community Public Fund Index Account	0.50%	0.50%	$0 - $9,999	Daily
	0.75%	0.75%	$10,000 - $24,999	Daily
	1.00%	1.01%	$25,000 - $49,999	Daily
	1.09%	1.10%	$50,000 - $99,999	Daily
	1.09%	1.10%	$100,000 - $499,999	Daily
	1.09%	1.10%	$500,000 & over	Daily

SPECIALS $1,000 Minimum Deposit
Consumer Accounts	Interest Rate	Annual Percentage Yield	Compounding Method
6 Month (Consumer CD ONLY)	0.75%	0.75%	Daily
9 Month (Consumer CD and IRA Only)	0.85%	0.85%	Daily
12 Month (Consumer CD and IRA only)	1.14%	1.15%	Daily
24 Month (Consumer CD and IRA only)	1.73%	1.75%	Daily
36 Month (Consumer CD and IRA only)	2.13%	2.15%	Daily
48 Month (Consumer CD and IRA only)	2.52%	2.55%	Daily
60 Month (Consumer CD and IRA only)	3.00%	3.05%	Daily
Only on consumer deposits less than $100,000. Rates may be subject to change at any time.

Certificates of Deposit $1,000 Minimum Deposit
Consumer & Business Accounts	Interest Rate	Annual Percentage Yield	Compounding Method
30 - 89 Days	0.30%	0.30%	Daily
90 - 179 Days	0.50%	0.50%	Daily
180 - 364 Days	0.75%	0.75%	Daily
12 - 23 Months	1.00%	1.01%	Daily
24 - 35 Months	1.49%	1.50%	Daily
36 - 47 Months	1.73%	1.75%	Daily
48 - 59 Months	1.98%	2.00%	Daily
60 Months	2.47%	2.50%	Daily
Penalty for Early Withdrawal

Individual Retirement Accounts $1,000 Minimum Deposit
Consumer Accounts	Interest Rate	Annual Percentage Yield	Compounding Method
9 Months	0.85%	0.85%	Daily
12 - 23 Months	1.00%	1.01%	Daily
24 - 35 Months	1.49%	1.50%	Daily
36 - 47 Months	1.73%	1.75%	Daily
48 - 59 Months	1.98%	2.00%	Daily
60 - Months	2.47%	2.50%	Daily
Penalty for Early Withdrawal

Consumer Accounts	Interest Rate	Annual Percentage Yield	Compounding Method
Community Savings IRA	0.50%	0.50%	Daily

Annual Percentage Yield is based upon the maximum term of deposit for each maturity range.
A withdrawal will reduce earnings.

A COPY OF THE "PORTAGE COMMUNITY BANK RULES AND REGULATIONS" IS AVAILABLE UPON REQUEST
* For Business CDs and CDs of $100,000 or more terms range from 14 days to 5 years (For consumer CDs under $100,000 - minimum is 30 days).
> Denotes rate change from previous week.
Account Fees may affect earnings. Variable Interest Rates subject to change.
THERE IS A PENALTY REQUIRED FOR EARLY WITHDRAWAL OF CDs AND IRAs.

JUMBO CERTIFICATES OF DEPOSIT $100,000 Minimum Deposit
	Public Funds Interest Rate #	Annual Percentage Yield	Business/Consumer Interest Rate *	Annual Percentage Yield
14 - 29 Days	0.15%	0.15%	0.15%	0.15%
30 - 59 Days	0.20%	0.20%	0.20%	0.20%
60 - 89 Days	0.20%	0.20%	0.20%	0.20%
90 - 119 Days	0.25%	0.25%	0.25%	0.25%
120 - 149 Days	0.30%	0.30%	0.30%	0.30%
150 - 179 Days	0.30%	0.30%	0.30%	0.30%
180 - 269 Days	0.45%	0.45%	0.45%	0.45%
270 - 364 Days	0.50%	0.50%	0.50%	0.50%
12 - 23 Months	0.75%	0.75%	0.75%	0.75%
24 - 35 Months	1.25%	1.25%	1.24%	1.25%
36 - 47 Months	1.75%	1.75%	1.73%	1.75%
48 - 59 Months	2.00%	2.00%	1.98%	2.00%
60 Months	2.50%	2.50%	2.47%	2.50%
Penalty for Early Withdrawal
CDARS - ask for terms and yields
* Consumer & Business interest rates are compounded daily - 365 day basis. Consumer, Business, and Public Fund Jumbo CD's are not auto-renewable. # Public Fund rates are simple interest based on a 360 day year with only the principal being renewed. CD's of $100,000 or more, interest rates may change daily. For more information about CD's $100,000 or more, call (330)296-8090.