Waukegan Savings Bank

FHA Approved Lender

Mortgage Rates
Rates Subject to Change. APR = Annual Percentage Rate.

Type	APR	Points
15-Year fixed	5.375%	Points may vary
30-Year fixed	5.900%	Points may vary
*Rates above on mortgage loans secured by a single family owner-occupied property, assume a loan amount of no more than $417,000, and are subject to change daily.

Auto Rates (Rates as of 1/11/10)
*For additional terms and rates, contact us at (847) 623-6400.

Deposit Rates (Rates as of 2/18/10)
Rates Subject to Change. APY = Annual Percentage Yield.

Interest Checking
Type	Min. balance to open and earn APY	Interest Rate/APY

Extra Value^SM Checking
Type	Min. balance to open and earn APY	Interest Rate/APY
Tier 1	$2,500 - $9,999.99	0.10% / 0.10%
Tier 2	$10,000 - $24,999.99	0.30% / 0.30%
Tier 3	$25,000 - $49,999.99	0.50% / 0.50%
Tier 4	$50,000 - $99,999.99	0.80% / 0.80%

Savings
Type	Interest	APY
Statement*	0.05%	0.05%
Passbook*	0.05%	0.05%
Christmas Club**	0.05%	0.05%
Youth Account**	0.05%	0.05%
Minimum balance to open is $200.00. *Minimum balance to open is $10.00.

Money Market
Type	Min. balance to open and earn APY	Interest Rate/APY
Tier 1	$2,500 - $9,999.99	0.20% / 0.20%
Tier 2	$10,000 - $24,999.99	0.30% / 0.305%
Tier 3	$25,000 - $49,999.99	0.45% / 0.45%
Tier 4	$50,000 - $99,999.99	0.65% / 0.65%
Tier 5	$100,000 and over	0.95% / 0.95%

Certificate of Deposit
Type	Min. balance to open and earn APY	Interest Rate/APY
91-Day CD	$500	0.05% / 0.05%
182-Day CD	$500	0.20% / 0.20%
1 Year CD	$500	0.30% / 0.30%
18 Month CD	$500	0.40% / 0.40%
2 Year CD	$500	0.50% / 0.50%
30 Month CD	$500	0.60% / 0.60%
3 Year CD	$500	0.70% / 0.70%
5 Year CD	$500	1.19% / 1.20%

Ultimate CD
Type	Min. balance to open and earn APY	Interest Rate/APY
20 Month UCD	$2,500	1.39% / 1.40%
36 Month UCD	$2,500	1.64% / 1.65%

Traditional/Roth IRA and ESA
Type	Min. balance to open and earn APY	Interest Rate/APY
182-Day Cert.	$100	0.20% / 0.20%
1 1/2-Year Cert.	$100	0.40% / 0.40%
3-Year Certificate	$100	0.70% / 0.70%
5-Year Certificate	$100	1.19% / 1.20%
*All CD's are subject to penalty if closed before maturity date.