Rate Chart

Current Rate Sheet Effective Date:  November 13,  2008
Time Deposit Accounts      
  Certificates of Deposit   Interest Rate APY* Conditions
    3 Month - maturity 2.130% 2.15%  
    6 Month - monthly 2.470% 2.50%  
    12 Month - quarterly 2.870% 2.90% 3-30 Month CD's:
    18 Month - quarterly 2.920% 2.95% $500 minimum to open
    24 Month - quarterly 3.020% 3.05% and obtain APY
    30 Month - quarterly 3.060% 3.10%  
    3 Yr Add-On CD 3.160% 3.20% $10,000 minimum to open and obtain APY
         
   Individual Retirement Account
   
    Available in 12, 18, 24, and 30 Month Certificates of Deposit  
         
   
    Penalty for early withdrawal on all time deposit accounts.
           
Interest Bearing Checking Accounts      
  Checking with Interest        
    $1,500.00 to $9,999.99 0.550% 0.55% $1,500 minimum to open
    $10,000.00 and up 0.950% 0.95% and obtain APY
           
  Health Savings Account   2.23% 2.25%  
           
  Money Market        
    $ 1,000.00 to $ 9,999.99 0.850% 0.85% $1,000 minimum to open
    $10,000.00 to $24,999.99 1.000% 1.00% and obtain APY
    $25,000.00 and up 1.290% 1.30%  
           
  Premium Money Market        
    $10,000.00 to $24,999.99 1.000% 1.00% $10,000 minimum to open
    $25,000.00 to $49,999.99 1.290% 1.30% and obtain APY
    $50,000.00 to $100,000.00 1.590% 1.60%  
           
  Super Balance $100,000.01 and up 1.790% 1.80%  
           
Savings Account      
  Personal Savings   1.049% 1.05% $100 minimum to open and obtain APY
  Business Savings   1.049% 1.05% $100 minimum to open and obtain APY

*APY = Annual Percentage Yield

The above checking and savings accounts are variable rate accounts, therefore the rate may change after account opening.
Fees may reduce the earnings on some accounts.