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Rates Effective as of 08/01/08 and subject to change


Checking Rates
Type of Account Minimum Opening Deposit Rate Interest Payment APY*
Interest Checking $1,000.00 0.15% Monthly 0.15%
Variable Interest Checking $100.00      
under 10,000   0.15% Monthly (3) 0.15%
10,000 -24,999   0.15% Monthly (3) 0.15%
25,000 - 49,999   0.15% Monthly (3) 0.15%
50,000 - 99,000   0.15% Monthly (3) 0.15%
100,000 or more   0.15% Monthly (3) 0.15%
Checking Plus Gold $100.00 0.15% Monthly 0.15%
Business Interest Checking $1,000.00 0.15% Monthly 0.15%

*APY = Annual Percentage Yield
(1) Interest is paid at least annually
(2) A penalty may be imposed for early withdrawal
(3) Variable Interest Checking No Longer Offered

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Savings Rates
Type of Account Minimum Opening Deposit Rate Interest Payment APY*
Checking Plus Gold $100.00 0.15% Monthly 0.15%
Business Interest Checking $1,000.00 0.15% Monthly 0.15%
Regular Savings $100.00 0.30% Quarterly 0.30%
Minor/Trustee Savings $20.00 0.30% Quarterly 0.30%
Club Savings $5.00 0.30% Quarterly 0.30%
Business Savings $100.00 0.30% Quarterly 0.30%
Money Market Account
(Business or Personal)
       
under 2,500 $2,500.00 0.35% Monthly 0.35%
2,500 to 24,999 $2,500.00 0.55% Monthly 0.55%
25,000 - 49,999 $2,500.00 0.60% Monthly 0.60%
50,000 - 99,999 $2,500.00 0.85% Monthly 0.85%
100,000 or more $2,500.00 1.10% Monthly 1.11%

*APY = Annual Percentage Yield
(1) Interest is paid at least annually
(2) A penalty may be imposed for early withdrawal
(3) Variable Interest Checking No Longer Offered

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Certificate of Deposit (CD) Rates
Type of Account Minimum Opening Deposit Rate Interest Payment APY*
Time Certificate of Deposit        
7 to 59 days $2,500.00 0.50% At Maturity (2) 0.50%
60 to 89 days $1,000.00 1.70% At Maturity (2) 1.71%
90 to 179 days $1,000.00 1.70% At Maturity (2) 1.71%
180 days to 1 year $1,000.00 1.90% At Maturity (2) 1.90%
1 year to 2 years $500.00 2.10% Annually (1) (2) 2.10%
      Monthly (2) 2.12%
      Quarterly (2) 2.12%
      Semi-Annual (2) 2.11%
2 years to 3 years $500.00 2.50% Annually (1) (2) 2.50%
      Monthly (2) 2.53%
      Quarterly (2) 2.52%
      Semi-Annual (2) 2.52%
3 years to 4 years $500.00 3.00% Annually (1) (2) 3.00%
      Monthly (2) 3.04%
      Quarterly (2) 3.03%
      Semi-Annual (2) 3.03%
4 years $500.00 3.25% Annually (1) (2) 3.25%
      Monthly (2) 3.30%
      Quarterly (2) 3.29%
      Semi-Annual (2) 3.28%

*APY = Annual Percentage Yield
(1) Interest is paid at least annually
(2) A penalty may be imposed for early withdrawal
(3) Variable Interest Checking No Longer Offered

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