Sunday, October 12, 2008
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Deposit Rates

CD Rates
Effective October 8, 2008

Rates APY* Minimum Opening Dep
EZ ACCESS CD 2.37% 2.40% $5,000
PLATINUM ACCESS 2.86% 2.90% $5,000
31-90 days 1.98% 2.00% $500
91-181 days 1.98% 2.00% $500
18 month special 3.10% 3.15% $500 new money
6 - 11 months 2.71% 2.75% $500
12 - 17 months 2.71% 2.75% $500
18 - 23 months 2.71% 2.75% $500
24 - 29 months 2.71% 2.75% $500
30 - 35 months 2.71% 2.75% $500
36 - 47 months 2.71% 2.75% $500
48 - 59 months 2.96% 3.00% $500
60 months 3.20% 3.25% $500
7 years 3.20% 3.25% $500
10 years 3.20% 3.25% $500
12 month special 3.44% 3.50% $500 new money

* Annual Percentage Yield
Subject to early withdrawal penalties

CESA Accounts
Effective October 8, 2008

Rate APY* Minimum Balance Minimum to Earn Interest
18 month CESA Account- Fixed Rate 2.47% 2.50% $50.00 $50.00
18 month CESA Account- Variable Rate 2.47% 2.50% $50.00 $50.00

*Annual Percentage Yield

IRA Certificates
Effective October 8, 2008
MINIMUM BALANCE TO OPEN A 6 MONTH IRA SPECIAL AND OBTAIN THE APY IS $500 IN NEW FUNDS

Rates APY* Minimum Opening Deposit
18 month fixed rate 2.47% 2.50% $50.00
18 month variable (adj wkly) 2.47% 2.50% $50.00
6 month IRA-CD 2.71% 2.75% $250.00
12 month IRA-CD 2.71% 2.75% $250.00
2 year IRA-CD 2.71% 2.75% $250.00
30 month IRA-CD 2.71% 2.75% $250.00
3 year IRA-CD 2.71% 2.75% $250.00
4 year IRA-CD 2.96% 3.00% $250.00
5 year IRA-CD 3.20% 3.25% $250.00
7 year IRA-CD 3.20% 3.25% $250.00
10 year IRA-CD 3.20% 3.25% $250.00

* Annual Percentage Yield
Subject to early withdrawal penalties

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