Certificates of Deposit

Rates effective Friday, July 30, 2010

Rates and terms are subject to change without notice.

Retirement Accounts and Education Savings Accounts can be opened for terms of 6, 12, 24 and 60 months with a minimum balance of $500, as well as Special term CD accounts at the stated minimum balance for the Special CD account

Term3	Minimum Balance	Interest Rate	APY1	APY with Checking2
CD Special! 11 months	$1,000.00	0.995%	1.00%	1.25%
CD Special! 39 months One-time Rate Bump4	$1,000.00	1.98%	2.00%	2.25%
CD Special! 55 months One-time Rate Bump5	$1,000.00	2.71%	2.75%	3.00%
3 months	$500.00	0.25%	0.25%	0.50%
6 months	$500.00	0.50%	0.50%	0.75%
12 months	$ 500.00	0.75%	0.75%	1.00%
18 months	$ 500.00	0.85%	0.85%	1.10%
24 months	$ 500.00	0.995%	1.00%	1.25%
30 months	$ 500.00	1.14%	1.15%	1.40%
36 months	$ 500.00	1.29%	1.30%	1.55%
48 months	$ 500.00	1.73%	1.75%	2.00%
60 months	$ 500.00	2.18%	2.20%	2.45%

¹APY=annual percentage yield.

² Bonus rate paid to qualified customers with BCSB checking and direct deposit. Bonus rate not applicable for certificate renewals.

³ At maturity CD Special reverts to our standard 6 month CD product.

⁴ One-time rate bump on the 39 month CD is allowed during first 24 months of the CD term.  When exercising the 39 month CD bump option, the APY for the current 36 month CD term will apply.

⁵ One-time rate bump on the 55 month CD is allowed during first 30 months of the CD term.  When exercising the 55 month CD bump option, the APY for the current 60 month CD term will apply.