RATES EFFECTIVE AS OF 06/21/08 - SUBJECT TO CHANGE WITHOUT NOTICE

Savings Rates
Certificates of Deposit
RATE SCHEDULE - CERTIFICATE ACCOUNTS
Minimum $1,000.00 Deposit
Dividends Compounded Quarterly
| Term | APR | APY
|
90 Days
| 2.15%
| 2.17%
|
6 Months
| 2.70%
| 2.73%
|
12 Months
| 3.00%
| 3.03%
|
18 Months
| 3.10%
| 3.14%
|
24 Months
| 3.25%
| 3.29%
|
36 Months
| 3.40%
| 3.44%
|
Jumbo Certificates
Minimum $100,000.00 Deposit
Dividends Compounded Quarterly
| Term | APR | APY
|
48 Months
| 3.50%
| 3.55%
|
Regular Savings Account
Minimum Opening Deposit - $5.00
Minimum Balance to Earn the Stated APY - $100.00
| Amount | APY
|
$100.00 to $4,999.00
| 1.00%
|
$5,000.00 to $9,999.00
| 1.25%
|
$10,000.00 and UP
| 1.50%
|
Christmas Club Account
| 1.00%
|
Vacation Club Account
| 1.00%
|
Fund Management Account
| 1.00%
|
Draft Account Checking
Minimum Opening Deposit - $10.00
Minimum Balance to Earn the Stated APY - $100.00
Service Fee - $0
| Amount | APY
|
$100.00 and Above
| 0.50%
|
Penalty for early withdrawal on all certificate of deposit accounts
6 Month CD - one month interest earnings
12 Month CD - three months interest earnings
ALL RATES SUBJECT TO CHANGE WITHOUT NOTICE
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