CURRENT RATES

EFFECTIVE AS OF 05/22/08

CERTIFICATES OF DEPOSIT

Term

Minimum Opening Balance

Interest Rate

Annual Percentage Yield

3 months

$500.00

2.00%

2.02%

6 months

$500.00

2.50%

2.52%

12 months

$500.00

2.85%

2.88%

24 months

$500.00

3.05%

3.09%

36 months

$500.00

3.15%

3.19%

48 months

$500.00

3.25%

3.29%

Penalty for Early Withdrawal:

• 3 months interest if the original term is 12 months or less
• 6 months interest if the original term is over 12 months

SAVINGS AND CHECKING ACCOUNTS

Account Type

Minimum Opening Balance

Minimum Average Daily Balance to Obtain A.P.Y.

Interest Rate

Annual Percentage Yield  (A.P.Y.)

Passbook Savings

$10.00

No Minimum

1.00%

1.00%

Money Market Savings

$2,500.00

Up to $2,499.99
$2,500.00 - $9,999.99
$10,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 and up

1.00%
1.25%
1.55%
2.15%
2.65%

1.00%
1.26%
1.56%
2.17%
2.68%

NOW Checking

$750.00

No Minimum

0.75%

0.75%

The interest rate and annual percentage yield (A.P.Y.) are variable rates and are subject to change.
Fees may reduce earnings.

INDIVIDUAL RETIREMENT ACCOUNTS

Account Type

Minimum Opening Balance

Minimum Average Daily Balance to Obtain A.P.Y.

Interest Rate

Annual Percentage Yield (A.P.Y.)

Variable Rate Savings Account

$10.00

Up to $75,000.00
$75,000.01 and Up

3.00%
3.25%

3.03%
3.29%

18 Month Certificate of Deposit

$500.00

No Minimum

2.75%

2.78%

The interest rate and annual percentage yield (A.P.Y.) are variable rates and are subject to change.
Fees may reduce earnings.