Deposit Rates

Untitled
Untitled

Subject to Change

Effective:

7/16/08

to

7/22/08

Money Market Accounts

Product

Minimum Opening Deposit

Interest Rate

Annual Percentage Yield

$1,000 - $24,999.99

$1000.00

1.50%

1.51%

$25,000 - $49,999.99

$25,000.00

2.15%

2.17%

$50,000 - $99,999.99

$50,000.00

2.50%

2.53%

$100,000 and Over

$100,000.00

2.90%

2.94%

If Below $1,000

N/A

1.00%

1.00%

Passbook Savings

Savings Product

Minimum
To Open

Minimum Balance to
Obtain Annual Percentage Yield

Interest Rate

Annual Percentage Yield

Savings

$5.00

$5.00

1.00%

1.00%

NOW Account

NOW

Minimum
To Open

Minimum Balance to
Obtain Annual Percentage Yield

Interest Rate

Annual Percentage Yield

NOW

$1000.00

$1000.00

.75%

.75%

IRA

IRA

Minimum
To Open

Minimum Balance to
Obtain Annual Percentage Yield

Interest Rate

Annual Percentage Yield

IRA

$25.00 - 24,999.99

$25.00

2.50%

2.52%

IRA

$25,000.00 and Over

$25,000.00

3.00%

3.03%

HEALTH SAVINGS ACCOUNTS

HEALTH SAVINGS ACCOUNTS

Rate

A.P.Y.*

Minimum**

$0.00 - $2,499.99

1.25%

1.26%

$25.00

$2,500.00 - $9,999.99

2.10%

2.12%

$2,500.00

$10,000.00 - $49,999.99

3.00%

3.04%

$10,000.00

$50,000.00 - $99,999.99

3.50%

3.56%

$50,000.00

$100,000.00 +

4.00%

4.07%

$100,000.00

CERTIFICATES OF DEPOSIT

  Min. balance
to open
Min. balance
to obtain
Annual Percentage Yield

Interest
rate

Annual Percentage Yield

91 Days*

$2,500.00

$2,500.00

2.20%

2.22%

91 Days-$100,000+*

$100,000

$100,000

2.25%

2.27%

182 Days*

$2,500

$2,500

2.55%

2.57%

182 Days-$100,000+*

$100,000

$100,0000

2.60%

2.62%

12 Months*

$1,000.00

$1,000.00

2.70%

2.72%

12 Months-$50,000+*

$50,000

$50,000

2.85%

2.87%

12 Months-$100,000+*

$100,000

$100,000

2.95%

2.97%

18 Months*

$1,000

$1,000

2.80%

2.82%

18 Months-$50,000+*

$50,000

$50,000

2.95%

2.97%

18 Months-$100,000+*

$100.000

$100,000

3.05%

3.07%

24 Months*

$1,000

$1,000

2.90%

2.92%

24 Months-$50,000+*

$50,000

$50,000

3.05%

3.07%

24 Months-$100,000+*

$100,000

$100,000

3.15%

3.17%

36 Months*

$1,000

$1,000

3.10%

3.12%

36 Months-$50,000+*

$50,000

$50,000

3.25%

3.28%

36 Months-$100,000+*

$100,000

$100,000

3.35%

3.38%

* A.P.Y. - Annual Percentage Yield - Based on a 365 day basis and based on the assumption that interest is added to the account. Withdrawal of interest may reduce the yield.

** Minimum balance required to open account and earn A.P.Y.
THE ABOVE RATES REFLECT

+.15% ON $50,000 PLUS CD'S WRITTEN FOR 1 YEAR OR MORE
+.25% ON $100,000 PLUS CD'S WRITTEN FOR 1 YEAR OR MORE

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