Account Product Name

Minimum Opening Deposit

Minimum Balance to Obtain Annual Percentage Yield

Interest Rate

Annual Percentage Yield

6 Month CD*

$1,000.00

 

2.50%

2.52%

9 Month CD*

$1,000.00

 

2.50%

2.52%

12 Month CD*

$1,000.00

 

2.75%

2.78%

18 Month CD*

$1,000.00

 

2.75%

2.78%

24 Month CD*

$1,000.00

 

2.50%

2.52%

36 Month CD*

$1,000.00

 

2.50%

2.52%

48 Month CD*

$1,000.00

 

2.50%

2.52%

60 Month CD*

$1,000.00

 

2.50%

2.50%

12 MO/IRA*

$50.00

 

2.75%

2.78%

Regular Passbook **

$50.00

 

.75%

 .75%

Special Passbook**

$50.00

 

2.75%

2.78%

MMDA**

$2,500.00

 

.75%

.75%

Now**

$50.00

$1,000.00

.50%

.50%

Business Checking**

$50.00

 

.50%

.50%

VIP Checking**

$50.00

$1,000.00***

.50%

.50%

Christmas Club Type 2**

$5.00

$5.00***

2.75%

2.75%

Christmas Club**

$5.00

$5.00***

2.75%

2.75%

Kids Klub **

$5.00

 

3.00%

3.03%

Payroll Savings**

 

 

2.75%

2.78%

* A penalty may be imposed for early withdrawal.
** The interest rate and annual percentage yield may change after account opening.
*** Average daily balance. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Fees could reduce the earnings on the account. Interest Rates and Annual Percentage Yields are current as of 04/21/2008