Current Rates

APY (Annual Percentage Yield) and (APR) Annual Percentage Rate
is accurate as of 07/1/2008.

Rates Subject to Change Without Notice.

Loans Rates

Please contact a loan officer at either location to get the current loan interest rates.

Money Market Accounts	Amount	Rate	APY
Tier 1	2,500	.50	.50
Tier 2	10,000	1.00	1.00
Tier 3	25,000	2.00	2.02
Tier 4	75,000	3.00	3.03

Now Checking	Minimum Balance	Rate	APY
Now	1,000	.25%	.25%
Super Now	5,000	.50%	.50%

Savings Accounts	Minimum Balance	Rate	APY
Passbook	$1.00	.75	.75
IRA Passbook	$1.00	2.75	2.79

Decsription	Rate	APY
*6-month CD	2.50%	2.52%
*1-year CD	2.55%	2.57%
*18 Month CD	2.60%	2.63%
*2-year CD	2.65%	2.68%
*30 Month CD	2.70%	2.73%
*3-year CD	2.75%	2.78%
**3-year Rate Changer CD	2.75%	2.78%
*4-year CD	2.80%	2.83%
*5-year CD	2.85%	2.88%

*APY refers to Annual Percentage Yield based on simple interest.
*APR refers to Annual Percentage Rate based on simple interest.

IRA investments will be on the same terms/rates as a normal Certificate of Deposit.

** RATE CHANGER: You have the option during the 36 month term of this account to exchange this interest rate for a new interest rate. The new interest rate will be the interest rate we are then offering on new time deposits which have the same term and other features as the original time deposit. This exchange will be at no cost to you. If you make an exchange the maturity date of this account will remain the same as originally scheduled. You may exercise this option once during the original term for a three year Certificate of Deposit.

EARLY WITHDRAWAL PENALTIES: A penalty may be imposed for withdrawal before maturity. If your account has an original maturity of one year of less the fee we may impose will equal three months interest on the amount withdrawn. If you account has an original maturity of more than one year the fee we may impose will equal six months interest on the amount withdrawn.