Current Rates

Certificates of Deposit & IRA’s
Term	Interest Rate	Annual Percentage Yield
3 month	3.25%	3.30%
6 month	3.59%	3.65%
9 month	3.74%	3.80%
1 year	3.92%	4.00%
18 month	4.21%	4.30%
2 year	4.21%	4.30%
30 month	4.32%	4.40%
3 year	4.31%	4.40%
4 year	4.41%	4.50%
5 year	4.41%	4.50%
¹$500 required to open account and to earn Annual Percentage Yield. A penalty may be imposed for early withdrawal. Certificates of Deposit and IRA's cannot be opened by mail.

Personal Accounts^1,2,3,4,5
Type of Account	Minimum to Open Account	Minimum to Earn APY	Interest Rate	Annual Percentage Yield
Interest Checking	100.00	1,000.00	.25%	.25%
Statement Savings	100.00	100.00	.25%	.25%
Money Market	1,000.00	1,000.00⁴	.25%	.25%
		10,000.00⁴	.75%	.75%
		25,000.00⁴	1.00%	1.01%
		50,000.00⁴	1.25%	1.26%
		100,000.00^4,5	3.00%	3.05%
¹ Interest Rates and Annual Percentage Yields are accurate as of August 27, 2008. ² The Interest Rate and Annual Percentage Yield is subject to change at the bank’s discretion. ³ Fees could reduce earnings. ⁴ If the daily collected balance is greater than this amount, then this interest rate will apply to the entire collected balance for that day. ⁵ Rate equals 60% of prime rate.

Business Accounts^1,2,3,4,5
Type of Account	Minimum to Open Account	Minimum to Earn APY	Interest Rate	Annual Percentage Yield
Interest Checking	1,000.00	2,500.00	.25%	.25%
Statement Savings	500.00	500.00	.25%	.25%
Money Market	2,500.00	2,500.00⁴	.25%	.25%
		25,000.00⁴	.75%	.75%
		50,000.00⁴	1.00%	1.01%
		100,000.00^4,5	3.00%	3.05%

¹ Interest Rates and Annual Percentage Yields are accurate as of August 27, 2008. ² The Interest Rate and Annual Percentage Yield is subject to change at the bank’s discretion. ³ Fees could reduce earnings. ⁴ If the daily collected balance is greater than this amount, then this interest rate will apply to the entire collected balance for that day. ⁵ Rate equals 60% of prime.