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Rates

Rates effective July 20, 2010
Please call 785-232-6062 or 1-888-232-KVSB
(1-888-232-5872) for current rate information.

Certificates of Deposits

Term	Minimum Deposit  Required to Open Account	Interest Rate	Annual Percentage Yield
14 Days	$15,000.00	0.45%	0.45%
91 Days	$500.00	0.40%	0.40%
182 Days	$500.00	0.70%	0.70%
12 Months	$500.00	1.10%	1.11%
18 Months	$500.00	1.45%	1.46%
24 Months	$500.00	1.60%	1.61%
30 Months	$500.00	1.85%	1.87%
36 Months	$500.00	2.05%	2.07%
36 Months - 2 Jumps	$500.00	2.00%	2.02%
48 Months	$500.00	2.70%	2.74%
5 to 7 Years	$500.00	2.95%	2.99%
60 Months - 2 Jumps	$500.00	2.75%	2.79%

All the above certificates of deposit are available in IRAs. A penalty may be imposed for early withdrawal. The annual percentage yield assumes that interest remains on deposit until maturity.

Specials

Term	Minimum Deposit  Required to Open Account	Interest Rate	Annual Percentage Yield
13 to 32 Months	$500.00	1.55%	1.56%

All the above certificates of deposit are available in IRAs. A penalty may be imposed for early withdrawal. The annual percentage yield assumes that interest remains on deposit until maturity.

Checking and Savings Accounts

Account Type	Minimum Deposit  Required to Open Account	Interest Rate	Annual Percentage Yield
Now Accounts**	$100.00	0.15%	0.15%
Money Market Accounts**	$100.00	0.30%	*0.30%
Passbook Savings**	$100.00	0.25%	0.25%

* You must maintain a minimum average daily balance of $1,000.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
**Interest rate and Annual Percentage Yield ("APY") may change after account opening.

Fees could reduce the earnings on the account.