Rates

	Services: Rates
Deposit Rates as of 8/28/08

The following rates can change at any time. Please telephone the bank for most current rate.

Account Rate A.P.Y.

Regular Checking	N/A	N/A
Student Checking	N/A	N/A
E-Z Checking	N/A	N/A
N.O.W. Account	0.50	0.50	Compounding Monthly ($1,000 Minimum)
Super N.O.W. Account	0.60	0.60	Compounding Monthly ($2,500 Minimum)
Money Market Account	1.00	1.00	Compounding Monthly ($2,500 Minimum)
Savings Account	0.60	0.60	Compounding Monthly ($100 Minimum)
Individual Retirement Account	2.75	2.79	Compounding Annually



Promotional Accounts Rate A.P.Y.

Premium Money Market	2.00	2.01	Compounding Monthly ($25,000 Minimum)
9 Month CD*	3.25	3.29	Compounding Quarterly ($1,000 Minimum)
20 Month CD*	3.45	3.50	Compounding Quarterly ($1,000 Minimum)



Jumbo Certificate of Deposit ($100,000+) Rate A.P.Y.

30 Days	2.00	2.01	Compounding Quarterly
60 Days	2.25	2.27	Compounding Quarterly
90 Days	2.50	2.52	Compounding Quarterly
180 Days	3.15	3.19	Compounding Quarterly
12 Months	3.30	3.34	Compounding Quarterly
18 Months	3.30	3.34	Compounding Quarterly
24 Months	3.35	3.39	Compounding Quarterly
36 Months	3.35	3.39	Compounding Quarterly
48 Months	3.35	3.39	Compounding Quarterly
60 Months	3.35	3.39	Compounding Quarterly


Regular Certificate of Deposit (<$100,000) Rate A.P.Y.

30 Days	2.00	2.01	Compounding Quarterly
60 Days	2.25	2.27	Compounding Quarterly
90 Days	2.50	2.52	Compounding Quarterly
180 Days	3.15	3.19	Compounding Quarterly
12 Months	3.30	3.34	Compounding Quarterly
18 Months	3.30	3.34	Compounding Quarterly
24 Months	3.35	3.39	Compounding Quarterly
36 Months	3.35	3.39	Compounding Quarterly
48 Months	3.35	3.39	Compounding Quarterly
60 Months	3.35	3.39	Compounding Quarterly

A.P.Y.=Anuual Percentage Yield

Penalty for early withdrawal

Please contact bank for minimum opening deposit requirements on above accounts.

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