| Current Deposit Rates |
| Rates Effective 5/1/08 |
| Share Account |
$100.00 |
0.25% |
0.25% |
Quarterly |
| HSA Checking Account |
$0.00 |
3.45% |
3.50% |
Monthly |
| Christmas Club Account |
$100.00 |
0.25% |
0.25% |
Quarterly |
| Money Market Account |
$2,000.00 $10,000.00 $25,000.00 |
1.24% 1.49% 1.74% |
1.25% 1.50% 1.75% |
Monthly |
| Contributory IRA |
$100.00 |
1.54% |
1.55% |
Quarterly |
Share & IRA Certificates Penalty for Early Withdrawal |
| $500 Minimum Deposit |
| 6 Month Certificate |
2.13% |
2.15% |
Monthly |
| 12 Month Certificate |
2.18% |
2.20% |
Quarterly |
| 18 Month Certificate |
2.18% |
2.20% |
Quarterly |
| 24 Month Certificate |
2.28% |
2.30% |
Quarterly |
| 36 Month Certificate |
2.43% |
2.45% |
Quarterly |
| 48 Month Certificate |
2.48% |
2.50% |
Quarterly |
| 60 Month Certificate |
2.62% |
2.65% |
Quarterly |
| $10,000 Minimum Deposit |
| 13 Month Certificate |
2.18% |
2.20% |
Quarterly |
| 24 Month Certificate |
2.38% |
2.40% |
Quarterly |
| 36 Month Certificate |
2.53% |
2.55% |
Quarterly |
| 48 Month Certificate |
2.58% |
2.60% |
Quarterly |
| 60 Month Certificate |
2.72% |
2.75% |
Quarterly |