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Current Rates-All Interest Bearing Accounts
Effective Date: April 1, 2008

Account
Name

Minimum
Deposit
Interest
Rate
APY*
31 Day CD $ 5000 1.25% 1.26%
91 Day CD $ 100 2.35% 2.37%
182 Day CD $ 100 2.75% 2.78%
9 Month CD $ 100 2.40% 2.42%
1 Year CD $ 100 2.40% 2.42%
15 Month CD $ 100 2.40% 2.42%
18 Month CD $ 100 2.50% 2.52%
2 Year CD $ 100 2.60% 2.63%
30 Month CD $ 100 2.60% 2.63%
3 Year CD $ 100 2.65% 2.68%
4 Year CD $ 100 2.75% 2.78%
5 Year CD $ 100 2.80% 2.83%
IRA-1 Year $ 100 2.80% 2.83%
Passbook Savings $ 10 .75% .75%
Christmas Club $ 5 1.00% 1.00%

*Assumes reinvestment of interest earned at the stated rate. APY means Annual Percentage Yield. Rates subject to change without notice. Substantial penalty for early withdrawl.

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