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Deposit Rates
RATES AS OF 7/27/10

Tiered Rate Savings Individual Retirement Accounts
Statement Savings Fixed Rate IRAs
Money Market Account Personal Checking
Fixed Rate Certificates of Deposit


Tiered Rate Savings*
Account Min. Bal. To Earn APY Annual Interest Rate Annual Percentage Yield
Tier 1 $25 - 2,499 .15% .15%
Tier 2 $2,500 - 24,999 .20% .20%
Tier 3 $25,000 and up .25% .25%

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Statement Savings* (Balance below $100, $3.00 monthly service charge)**
Account Min. Bal. To Earn APY Annual Interest Rate Annual Percentage Yield
Tier 1 $25 - 2,499 .15% .15%
Tier 2 $2,500 - 24,999 .20% .20%
Tier 3 $25,000 and up .25% .25%

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Money Market Account* (Personal and Business)**
Account Min. Bal. To Earn APY Annual Interest Rate Annual Percentage Yield
Tier 1 $2500 - 9,999 .25% .25%
Tier 2 $10,000 - 24,999 .35% .35%
Tier 3 $25,000 - 49,999 .45% .45%
Tier 4 $50,000 - 74,999 .75% .75%
Tier 5 $75,000 and up .85% .85%

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Fixed Rate Certificates of Deposit
Existing Loop Checking Accounts opened before 1/2/10 and High Value Checking Accounts are entitled to 1/4% increase on CD and IRA APYs
Account Min. Bal. To Earn APY Rate APY
91 Day CD*** $2,500 .35% .35%
5 Month CD*** $2,500 .35% .35%
182 Day CD*** $2,500 .45% .45%
7 Month CD*** $2,500 .45% .45%
8 Month CD*** $2,500 .45% .45%
9 Month CD*** $2,500 .80% .80%
11 Month CD*** $2,500 .45% .45%
1 Year CD*** $1,000 .70% .70%
18 Month CD*** $1,000 .95% .95%
2 Year CD*** $1,000 1.24% 1.25%
3 Year CD*** $1,000 1.59% 1.60%
4 Year CD*** $1,000 2.13% 2.15%
5 Year CD*** $1,000 2.71% 2.75%

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Individual Retirement Accounts**
Account Min. Bal. To Earn APY Annual Interest Rate Annual Percentage Yield
Regular Savings IRA* $25 .20% .20%

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Fixed Rate IRAs**
Existing Loop Checking Accounts opened before 1/2/10 and High Value Checking Accounts are entitled to 1/4% increase on CD and IRA APYs
Account Min. Bal. To Earn APY Rate APY
1 Year IRA*** $500 .70% .70%
18 Month IRA*** $500 .95% .95%
2 Year IRA*** $500 1.24% 1.25%
3 Year IRA*** $500 1.59% 1.60%
5 Year IRA*** $500 2.71% 2.75%

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Personal Checking**
Account Daily Balance Rate APY
e-Loop Checking* 0 - $50,000 1.98% 2.00%
e-Loop Checking* Portion of the balance
above $50,000
1.00% 1.00%
e-Loop Checking* If requirements are not met 0.10% 0.10%
High Value Checking* $0 - $1,499 0.60% 0.60%
High Value Checking* $1,500 and up 0.85% 0.85%
VIP Checking* N/A 0.10% 0.10%
Totally Free Checking N/A N/A N/A
Non-Profit Business Checking* N/A .10% .10%

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*For variable rate accounts, rates are subject to change at any time at the sole discretion of NFSB.
**Fees could reduce earnings.
***A penalty may be imposed for early withdrawal.
For further information, call us at 847-5500 or 1-800-394-2911.
Deposits are insured by FDIC.


More information on any of our products and services can be requested through
e-mail (warning: do not send confidential information via email) or by calling us at (401) 847-5500.


Savings
Passbook Savings Account
Statement Savings Account
Money Market Deposit Account
Certificates of Deposit
IRA's
NewportFed, 100 Bellevue Avenue, Newport, RI 02840 __ Telephone: 401.847.5500__ © 2008 NewportFed. All rights reserved.__ Member FDIC _Equal Housing Lender