Current Rates

SAVINGS & INTEREST CHECKING ACCOUNTS

Effective Date: September 30, 2008

Account Name	Minimum Deposit	APY
Money Mkt Pref $ 2,500 - 9,999 $10,000 - 49,999 $50,000 - 99,999 $100,000 OR MORE	$2,500 $2,500 $2,500 $2,500	0.25% 0.70% 1.20% 1.70%
Special Sav $500 – 999.99 $1,000 OR More	$500 $500	0.25% 0.35%
Regular Sav	$100	0.25%
Christmas Club	$25	0.25%
Checking Plus	$2,500	0.35%
Check/Earning $1,000-$25,000 $25,000-99,999 $ 100,000 & up	$1,000 $1,000 $1,000	.20% .40% .60%

CERTIFICATE OF DEPOSIT (CD)

Effective Date: September 30, 2008

CD TERM	Minimum Deposit	Interest Rate	APY*
7-31 DAYS	$1000	0.50%	0.56%
2 months	$1000	1.00%	1.01%
3 months	$1000	1.50%	1.51%
6 months	$1000	1.75%	1.76%
12 months	$1000	2.50%	2.50%
18 months	$1000	2.50%	2.50%
24 months	$1000	2.40%	2.40%
30 months	$1000	2.40%	2.40%
60 months	$1000	3.15%	3.15%
IRA fixed	$1000	2.40%	2.40%
IRA variable	$500	1.99%	1.99%

*Assumes reinvestment of interest earned at the stated rate. APY means Annual Percentage Yield. Rates subject to change without notice. Substantial penalty for early withdrawal.

*APY refers to Annual Percentage Yield based on simple interest. *APR refers to Annual Percentage Rate based on simple interest.

With the Money Market Preferred Savings Accounts, you will earn a higher rate on higher balances. Contact us for more information.