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CD RATES

Rates Subject to Change
July 28, 2008

AT A RATE OF

ANNUAL % YIELD
1.50%
31 DAY CERTIFICATE
$1,000.00 minimum-compounded at maturity
1.51%
2.10%
91 DAY CERTIFICATE
$1,000.00 minimum-compounded at maturity
2.12%
2.45%
6 MONTH CERTIFICATE
$1,000.00 minimum-compounded quarterly
2.47%
2.50%
12 MONTH CERTIFICATE
$1,000.00 minimum-compounded quarterly
2.52%
2.50%
18 MONTH CERTIFICATE
$1,000.00 minimum-compounded quarterly
2.52%
2.76%
24 MONTH CERTIFICATE
$1,000.00 minimum-compounded quarterly
2.79%
3.10%
36 MONTH CERTIFICATE
$1,000.00 minimum-compounded quarterly
3.14%

3.10%
48 MONTH CERTIFICATE
$1,000.00 minimum-compounded quarterly
3.14%
3.50%

60 MONTH CERTIFICATE
$1,000.00 minimum-compounded quarterly

3.55%
CD Special
3.16% 7 MONTH CERTIFICATE
$1,000.00 minimum-compounded quarterly 		3.20%

IRA RATES

Rates Subject to Change
July 28, 2008

AT A RATE OF

ANNUAL % YIELD
2.45%

6 MONTH IRA

5,000.00 maximum-compounded quarterly Contribution limit age 50 or older $6,000.00
IRA can be added to during the year, cannot exceed the maximum amount.

2.47%
2.50%
12 MONTH IRA

$5,000.00 maximum-compounded quarterly Contribution limit age 50 or older $6,000.00
 
2.52%
2.50%
18 MONTH IRA

$5,000.00 maximum-compounded quarterly Contribution limit age 50 or older $6,000.00
2.52%
2.76%
24 MONTH IRA

$5,000.00 maximum-compounded quarterly Contribution limit age 50 or older $6,000.00
2.79%
3.10%
36 MONTH IRA

$5,000.00 maximum-compounded quarterly Contribution limit age 50 or older $6,000.00
3.14%
3.10%

48 MONTH IRA

$5,000.00 maximum-compounded quarterly Contribution limit age 50 or older $6,000.00

3.14%
3.50%
60 MONTH IRA

$5,000.00 maximum-compounded quarterly Contribution limit age 50 or older $6,000.00
3.55%

Interest Bearing Accounts

Rates Subject to Change
July 28, 2008

AT A RATE OF

ANNUAL % YIELD
.90%
NOW ACCOUNT CHECKING
$1,500.00 minimum-compounded monthly
.90%
1.20%

PASSBOOK SAVINGS
$20.00 minimum-compounded quarterly

1.21%
1.25%
EXCHANGE MONEY MARKET SAVINGS
$2,500.00 minimum-compounded monthly
1.26%
 

PREMIER MONEY MARKET ACCOUNT
10,000.00 minimum-compounded monthly

 
1.60%
Tier I $10,000.00 - $49,999.99
1.61%
2.20%
Tier II $50,000.00 - $99,999.99
2.22%
2.40%
Tier III $100,000.00 and above
2.43%