| Certificate of Deposit 1 Effective 12/23/08 |
Interest Rate | APY 2 |
| 3 Month CD | 1.74% | 1.75% |
| 6 Month CD ($1,000 - $74,999) |
2.23% | 2.25% |
| 6 Month CD ($75,000 and $124,999) |
2.48% | 2.50% |
| 6 Month CD ($150,000 - over) |
2.58% | 2.60% |
| 9 Month CD | 2.28% | 2.30% |
| 12 Month CD ($1,000 - $74,999) |
2.58% |
2.60% |
| 12 Month CD ($75,000 - $124,999) |
2.77% | 2.80% |
| 12 Month CD ($150,000 - over) |
2.97% | 3.00% |
| 18 Month CD | 2.97% | 3.00% |
| 24 Month CD | 3.21% | 3.25% |
| 30 Month CD | 3.21% | 3.25% |
| 36 Month CD | 3.46% | 3.50% |
| 48 Month CD | 3.46% | 3.50% |
| 60 Month CD | 3.70% | 3.75% |
| Money Market 3 Effective 12/23/08 |
Interest Rate | APY 2 |
| $5,000 - $9,999.99 | 0.995% | 1.00% |
| $10,000 - $24,999.99 | 1.24% | 1.25% |
| $25,000 - $49,999.99 | 1.49% | 1.50% |
| $50,000 - $249,999.99 | 1.748% | 1.75% |
| $250,000 and up |
2.23% |
2.25% |
| Savings Accounts 3 Effective 12/23/08 |
Interest Rate | APY 2 |
| Regular Savings | 0.75% | 0.75% |
| Frugal Savings (UTMA) 4 | 1.24% | 1.25% |
1. The minimum deposit requirement is $1,000, unless otherwise stated. There is a substantial penalty for early withdrawal. Note: Direct deposit is available for certificates with balances less than $50,000. 2. An ANNUAL PERCENTAGE YIELD (APY) is the result of compounding your interest. Therefore, the ANNUAL PERCENTAGE YIELD (APY) does not apply to any account that is taking interest payment by check or direct deposit to another account. 3. Rates on variable accounts may change after the account is opened. $100 minimum balance to open. Fees could reduce the earnings on the account. Size of the account may be limited. 4. Minimum to earn dividends, $100, zero to open.
