Rates effective as of 10/30/08
Deposit Rates
Type    APY
3 month Time Certificate of Deposit -----------------------------------------------------------------------------------------------------------    1.70
6 month Time Certificate of Deposit -----------------------------------------------------------------------------------------------------------    2.25
9 month Time Certificate of Deposit (Special) ------------------------------------------------------------------------------------------------    2.85
12 month Time Certificate of Deposit ----------------------------------------------------------------------------------------------------------    2.30
13 month Time Certificate of Deposit (Special) ----------------------------------------------------------------------------------------------    3.10
18 month Time Certificate of Deposit (Special) ----------------------------------------------------------------------------------------------    3.25
24 month Time Certificate of Deposit ----------------------------------------------------------------------------------------------------------    2.50
30 month Time Certificate of Deposit ----------------------------------------------------------------------------------------------------------    2.50
36 month Time Certificate of Deposit ----------------------------------------------------------------------------------------------------------    2.60
48 month Time Certificate of Deposit ----------------------------------------------------------------------------------------------------------    2.75
60 month Time Certificate of Deposit ----------------------------------------------------------------------------------------------------------    2.75
NOW Account Interest on Checking ($1,000 minimum). ------------------------------------------------------------------------------------    .50
Money Market Account ($2,500 minimum). ----------------------------------------------------------------------------------------------------    1.00
Passbook Savings - ($100 minimum). ------------------------------------------------------------------------------------------------------------    .750
Passbook IRA (no minimum) -----------------------------------------------------------------------------------------------------------------------    3.10
IRA Time Certificates of Deposit (no minimum) -----------------------------------------------------------------------------------------------    choice of any above CD catagories, or Passbook
*See disclosures for above listed accounts (below). APY = Annual Percentage Yield.   
 
*These rates are effective on accounts accepted by the bank for the date as shown above. Rates are subject to change without notice. Rates may change after the account is open with the NOW, Money Market, Passbook Savings, and Passbook IRA accounts. All Time Certificates listed above are $500.00 minimum. Penalty for early withdrawal (see disclosures under "Products" section for details). See complete disclosures for all types of accounts under the "Products" section.
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