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Deposit Rates

  As of August 22, 2008

Term Share Certificates (CDs)

  $500 Minimum
  6 Month 2.10% APY*
  12 Month 2.50% APY
  18 Month< $10,000 4.00% APY
  18 Month >$10,000 4.30% APY
  24 Month 2.90% APY
  30 Month 2.95% APY
  36 Month 3.00% APY
  48 Month 4.25% APY

Share Savings Account

Over $250 0.25% APY
  Over $2,500 0.50% APY
  Over $10,000 0.75% APY

Money Market Accounts

Over $500 0.50% APY
  Over $5,000 0.75% APY
  Over $10,000 1.50% APY
  Over $25,000 2.00% APY
  Over $50,000 2.25% APY
Checking Accounts Rewards 0.35% APY
  Rewards 50 0.35% APY
  Select over $500 0.15% APY
Traditional & Roth IRA Savings Accounts < $5,000 1.50% APY
  > $5,000 2.50% APY
Educational IRA Savings   2.50% APY
     
Christmas Club Savings   0.75% APY
     
Vacation Club Savings   0.50% APY
     
Health Savings Account   0.50% APY
     
IRA & Roth Term Share Certificates   $500 Minimum
  12 Month 2.60% APY
  18 Month 2.85 APY
  24 Month 3.00% APY
  30 Month 3.05% APY
  36 Month 3.10% APY
  48 Month 4.50% APY
     
Building Block Share Certificate $100.00 Minimum 1.00% APY

*Annual Percentage Yield.  Rates subject to change without prior notice.  Penalties may apply for early withdrawal from Club Accounts, IRAs, and Term Share Certificates.