Time Certificate of Deposit Rates
APY & Interest Rates Effective May 12, 2008.
Term
APY*
Interest Rate
Minimum Deposit
60 Months
3.00%
2.97%
$1,000.00
48 Months
2.75%
2.72%
$1,000.00
36 Months-Raise-A-Rate**
2.75%
2.72%
$5,000.00
24 Months
2.50%
2.48%
$1,000.00
18 Months
2.25%
2.23%
$1,000.00
12 Months
2.00%
1.99%
$1,000.00
6 Months
1.50%
1.49%
$1,000.00
3 Months
1.00%
1.00%
$1,000.00
CD Specials
7 Months
2.75%
2.73%
$5,000.00
13 Months
2.90%
2.87%
$5,000.00
*APY - Annual Percentage Yield
Substantial Penalty for Early Withdrawal
**Variable Rate Account - The rate may change after the account is opened.


Retirement Account Rates: IRA-SEP-KEOUGH
effective as of May 12, 2008.
Term
APY*
Interest Rate
Minimum Deposit
48 Months
3.00%
2.97%
$1,000.00
Variable Rate Account**
2.75%
2.72%
< $10,000.00
3.00%
2.97%
> $10,000.00
*APY - Annual Percentage Yield
Substantial Penalty for Early Withdrawal
**Variable Rate Account - The rate may change after the account is opened.
SEE ABOVE FOR FIXED RATE IRA TERMS


Deposit Rates
effective May 12, 2008.
Account
APY*
Interest Rate
Premier**
0.25%
0.25%
Premier Plus**
0.35%
0.35%
Statement Savings**
0.50%
0.50%
Money Market
< $4,999.99
0.85%
0.85%
$5,000.00 - $24,999.99
0.95%
0.95%
$25,000.00 - $99,999.99
1.25%
1.24%
$100,000 - $249,999.99
1.75%
1.74%
$250,000 and up
2.15%
2.13%
Kids Club**
0.75%
* APY - Annual Percentage Yield
Fees may reduce earnings
** Variable Rate Account - The rate may change after the account is opened.

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