Deposit Rates
For the Period From 11/20/08 to 11/26/08
Product
Minimum Balance To Open Account
Interest Rate
Annual Percentage Yield
N.O.W. Checking
$1.00 to $9,999.99
$25.00
0.50%
0.50%
$10,000 to $24,999.99
$25.00
0.60%
0.60%
$25,000 to $49,999.99
$25.00
0.60%
0.60%
$50,000 to $74,999.99
$25.00
0.60%
0.60%
$75,000 to $99,999.99
$25.00
0.60%
0.60%
$100,000 and Greater
$25.00
0.60%
0.60%
Personal Money Market Account
$1.00 to $9,999.99
$25.00
1.01%
1.01%
$10,000 to $24,999.99
$25.00
1.25%
1.26%
$25,000 to $49,999.99
$25.00
1.50%
1.51%
$50,000 to $74,999.99
$25.00
1.75%
1.76%
$75,000 to $99,999.99
$25.00
2.00%
2.02%
$100,000 and Greater
$25.00
2.25%
2.27%

Business Money Market Account

          $1.00 to $9,999.99                    
           $25.00            
       1.01%       
      1.01%       
$10,000 to $24,999.99
$25.00
1.25%
1.26%
$25,000 to $49,999.99
$25.00
1.50%
1.51%
$50,000 to $74,999.99
$25.00
1.75%
1.76%
$75,000 to $99,999.99
$25.00
1.85%
1.87%
       $100,000 and Greater
$25.00
2.00%
2.02%

Statement Savings Account
$300 to $9,999.99
$300.00
1.10%
1.11%
$10,000 to $24,999.99
$300.00
1.30%
1.31%
$25,000 to $49,999.99
$300.00
1.50%
1.51%
$50,000 to $74,999.99
$300.00
1.70%
1.71%
$75,000 to $99,999.99
$300.00
1.90%
1.92%
$100,000 and Greater
$300.00
2.10%
2.12%
Personal Savings Passbook
$25.00
1.00%
1.01%
Personal IRA Savings Passbook
$25.00
1.49%
1.50%
Holiday Club Account
$5.00
0.75%
0.75%

Certificates of Deposit

**** 42 Month SPECIAL ****
$1,000.00
4.17%
4.25%

IRA Certificates of Deposit
6 Month
$1,000.00
1.98%
2.00%

 10 Month Plus One Special
$1,000.00
2.23%
2.25%
12 Month
$1,000.00
2.03%
2.05%
18 Month
$1,000.00
2.18%
2.20%
24 Month
$1,000.00
2.33%
2.35%
36 Month
$1,000.00
2.67%
2.70%
48 Month
$1,000.00
2.81%
2.85%
60 Month
$1,000.00
2.96%
3.00%
Jumbo Certificates of Deposit
Jumbo IRA Certificates of Deposit
6 Month
$100,000.00
2.08%
2.10%
10 Month Plus One Special
$100,000.00
2.47%
2.50%
12 Month
$100,000.00
2.18%
2.20%
18 Month
$100,000.00
2.33%
2.35%
24 Month
$100,000.00
2.47%
2.50%
36 Month
$100,000.00
2.81%
2.85%
48 Month
$100,000.00
2.96%
3.00%
60 Month
$100,000.00
3.11%
3.15%


*Annual Percentage Yield (APY) is the interest on your deposit for a year,
including compounding, expressed as a percentage.
Rates are subject to change without notice. Penalty may apply for early withdrawal.
Please call our nearest Community Office for further information.
If the term of your certificate is not shown above, please
contact your nearest community office for renewal information.

**This rate is variable and may change after the account is opened
Fees may reduce earnings on your account