Deposit Rates
Whether you are saving for retirement, holiday shopping, or the next rainy day, we can help you reach your financial goals.

• Use our Deposit Calculator to estimate monthly earnings.

Certificates * (Effective: April 17, 2008)
Program	Term	Minimum Daily Balance to earn APY	APY	Min. Deposit
Certificates	6-8 months	$500.00	2.500%	$500.00
	9-11 months	$500.00	2.750%	$500.00
	12-23 months	$500.00	2.800%	$500.00
	24-47 months	$500.00	3.000%	$500.00
	48-59 months	$500.00	3.050%	$500.00
	60-120 months	$500.00	3.050%	$500.00
Jumbo Certificates	6-8 months	$100,000.00	2.600%	$100,000.00
	9-11 months	$100,000.00	2.850%	$100,000.00
	12-23 months	$100,000.00	2.900%	$100,000.00
	24-47 months	$100,000.00	3.100%	$100,000.00
	48-59 months	$100,000.00	3.150%	$100,000.00
	60-120 months	$100,000.00	3.150%	$100,000.00
*Annual Percentage Yield (APY)subject to change. • $500 minimum deposit to open account. • $100,000 minimum opening deposit to earn jumbo rate • Interest is compounded monthly and credited monthly or paid at maturity. • Interest is paid for each day funds remain on deposit. • A substantial penalty is assessed on funds withdrawn prior to maturity on all Certificate accounts. • Request further information concerning any fees and terms applicable to the advertised accounts.

Deposit Rates** (Effective: Thursday April 17, 2008)
Program	Minimum Daily Balance to earn APY	APY	Min. Deposit
NOW Checking	$0.01	0.100%	$5.00
Regular Share Savings Account	$0.01	0.500%	$5.00
Acorn Savings	$0.01	0.500%	$1.00
Preferred Savings Account ($100 to open account)	$1.00	0.750%	$100.00
Christmas Club Account	$20.00	0.500%	$5.00
High Rate Money Market	$2,500.00	0.500%	$20,000.00
	$10,000.00	1.750%	$20,000.00
	$20,000.00	2.250%	$20,000.00
	$50,000.00	2.500%	$20,000.00
	$75,000.00	2.650%	$20,000.00
Vacation Club Account	$20.00	0.500%	$5.00
Business Investment MMDA	$0.01	0.500%	$2,500.00
	$2,500.00	1.500%	$2,500.00
	$10,000.00	2.500%	$2,500.00
	$30,000.00	4.000%	$2,500.00
**Annual Percentage Yield (APY) subject to change. • Minimum deposit required to open the account may differ from the minimum balance required to earn APY. • Rates may change after account opening for variable rate accounts. • Interest is paid for each day funds remain on deposit. • Request further information concerning any fees and terms applicable to the advertised accounts. Fees may reduce earnings.

Individual Retirement Accounts (IRAs)*** (Effective: April 17, 2008)
Program	Term	Minimum Daily Balance to earn APY	APY	Min. Deposit
Statement Saver IRA ($100 to open account This account is a variable rate account and therefore the rate is subject to change after account opening.)		$0.01	0.600%	$100.00
IRA Certificates ($500 to open account)	12-23 months	$500.00	2.800%	$500.00
	24-47 months	$500.00	3.000%	$500.00
	48-59 months	$500.00	3.050%	$500.00
	60-120 months	$500.00	3.050%	$500.00
IRA Jumbo Certificates	12-23 months	$100,000.00	2.900%	$100,000.00
	24-47 months	$100,000.00	3.100%	$100,000.00
	49-59 months	$100,000.00	3.150%	$100,000.00
	60-120 months	$100,000.00	3.150%	$100,000.00
***Annual Percentage Yield (APY) subject to change.• Interest is compounded monthly and credited monthly or paid at maturity for all other terms. Interest is paid for each day funds remain on deposit. • A substantial penalty is assessed on funds withdrawn prior to maturity on all IRA accounts. • Request further information concerning any fees and terms applicable to the advertised accounts. Annual Percentage Yield (APY)subject to change. • $500 minimum deposit to open account. • $100,000 minimum opening deposit to earn jumbo rate •

Need more information?
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