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May 6, 2008 through May 12, 2008

Our rates are posted for your convenience in making financial decisions.  Use our calculators to figure payments and savings goals. Realize rates are subject to change so when in doubt, please contact the bank.  Please see our Reg.  DD Disclosure for further fee information.

Account Type

Minimum Deposit To Open Account

Minimum Balance to Obtain Annual Percentage Yield**

Interest Rate

Annual Percentage Yield

NOW*

none

$5,000.00

1.80

1.81

NOW*

none

LESS THAN $5,000.00

1.05

1.06

HIFI*

none

$5,000.00

1.80

1.81

HIFI*

none

LESS THAN $5,000.00

1.05

1.06

PASSBOOK SAVINGS*

none

$50.00 2.00

2.01

STATEMENT
SAVINGS*

none $50.00 2.00 2.02
HEALTH SAVINGS* none $500.00 to $1,999.99 1.00 1.00
HEALTH SAVINGS* none $2,000 to $9,999.99 2.00 2.02
HEALTH SAVINGS* none $10,000.00 to $14,999.99 2.50 2.53
HEALTH SAVINGS* none Greater Than $15,000.00 3.00 3.04
Fees on the accounts above could reduce earnings.
Penalty will be imposed on the accounts below for Early Withdrawal.
CHRISTMAS SAVINGS

$1.00

$1.00

2.00

2.00

7-31 DAYS CD
(based on 31 days)

$2,500.00

$2,500.00

2.00

2.02

91 DAYS CD

$2,500.00

$2,500.00

2.40

2.42

182 DAYS CD

$2,500.00

$2,500.00

2.70

2.72

1 YEAR CD

$1,000.00

$1,000.00

2.75

2.77

18 MONTHS CD $1,000.00 $1,000.00 2.90 2.92
2 YEARS CD

$1,000.00

$1,000.00

2.95

2.97

30 MONTHS CD $1,000.00 $1,000.00 3.05 3.07
3 YEARS CD

$1,000.00

$1,000.00

3.10

3.12

1,2 OR 3 YEARS CD

$500.00

$500.00

2.00

2.01

I.R.A. CD      
Minimum Term: 1 1/2 Years  Maximum Term:  2 1/2 Years

Minimum & Maximum Balances Based on I.R.A. Regulations

3.25

3.25

I.R.A. Advantage*
Maximum Term:  1 Year
$50.00 $50.00 3.21 3.25

* Variable Rate Accounts.  Rates can change after account is opened.
**Daily balance (the amount of principal in the account each day)

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