CD/Savings Rates
| Savings Rates - Effective Wednesday, October 29, 2008 |
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| Account Type | APR | APY | Minimum Deposit | Minimum Balance |
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| Regular Shares | 1.000% | 0.000% - 1.010% | $5.00 | $25.00 |
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| Regular Shares | 1.250% | 0.000% - 1.260% | $5.00 | $15,000.00 |
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| Share Drafts | 0.750% | 0.000% - 0.750% | $0.00 | $25.00 |
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| Christmas Club | 1.000% | 0.000% - 1.000% | $0.00 | $0.00 |
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| Traditional Ira Shrs | 3.000% | 0.000% - 3.040% | $0.00 | $0.00 |
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| Roth Ira Shares | 3.000% | 0.000% - 3.040% | $0.00 | $0.00 |
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| Sub Shares | 1.000% | 0.000% - 1.010% | $0.00 | $25.00 |
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| Sub Shares | 1.250% | 0.000% - 1.260% | $0.00 | $15,000.00 |
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Rates vary based on availability and qualification. Fees may reduce earnings. Rate may change after the account is opened.
| CD Rates - Effective Friday, November 21, 2008 |
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| Certificate Term | APR | APY | Minimum Deposit |
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| 6 Month Min $ 1,000 | 2.500% | 2.530% | $1,000.00 | | 12 Month Min $ 1,000 | 4.000% | 4.070% | $1,000.00 | | 18 Month Min $ 1,000 | 3.750% | 3.820% | $1,000.00 | | 24 Month Min $ 1,000 | 4.000% | 4.070% | $1,000.00 | | 36 Month Min $ 1,000 | 4.250% | 4.330% | $1,000.00 | | 48 Month Min $ 1,000 | 3.750% | 3.820% | $1,000.00 | | 60 Month Min $ 1,000 | 3.750% | 3.820% | $1,000.00 | | 24 Month Min $500 | 2.700% | 2.730% | $500.00 | Rates vary based on availability and qualification. Penalty for early withdrawals.
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