Deposit Rates
We make saving easy with great rates and flexible terms!

CDs and IRAs* (Effective: May 8, 2008)
Program	Term	Minimum Daily Balance to earn APY	APY
Certificates of Deposit	91 days	$1,000.00	2.50%
	6 months	$1,000.00	2.65%
	1 years	$1,000.00	2.75%
	18 months	$1,000.00	2.85%
	2 years	$1,000.00	2.95%
	3 years	$1,000.00	3.00%
	4 years	$1,000.00	3.25%
IRA Fixed	2 years	$500.00	2.75%
IRA Adjustable (Rate and APY may change during term.)	1 years	$500.00	2.85%
**Annual Percentage Yields (APYs) assume interest and principal remain on deposit until maturity. Early withdrawals from CDs are subject to penalty. APYs are subject to change without notice. Fees on accounts can reduce earnings. All deposits insured in full. Minimum balance required to obtain APY.

Checking and Savings* (Effective: May 8, 2008)
Program	Minimum Daily Balance to earn APY	APY
NOW Checking	$100.00	0.15%
Statement & Passbook Savings	$10.00	1.00%
Club Accounts	$10.00	2.00%
Money Market	Over $1,000   2.25 % $10   to  $999   1.00 %
Premium Money Market	Over $20,000   2.50 % $1,000   to  $19,999   2.25 % $10   to  $999   1.00 %
*Annual Percentage Yields (APYs) are subject to change without notice. Fees on accounts can reduce earnings. All deposits insured in full. Minimum balance is required to obtain the APY.

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