As of June 13, 2008   $100,000 and under APY Interest Rate 14-31 days   0.25 0.250 32-89 days   0.50 0.500 90-181 days   0.75 0.750 182-364 days   1.75 1.740 12-17 months   2.00 1.980 18-23 months   2.25 2.225 24-35 months   2.25 2.225 36-47 months   2.25 2.225 48-59 months   2.75 2.715 60 and over   3.00 2.960           $100,000 and Over     14-31 days   0.25 0.250 32-89 days   0.50 0.500 90-179 days   0.75 0.750 180-364 days   1.75 1.740 12-17  months   2.00 1.980 18-23 months   2.25 2.225 24-35 months   2.25 2.225 36-47 months   2.25 2.225 48-59 months   2.75 2.715  60 and over   3.00 2.960   IMM     $1,500-$9,999   0.25 0.250 $10,000-$24,999   0.25 0.250 $25,000-$49,999   0.50 0.500 $50,000-$99,999   1.00 1.000 $100,000-$249,999   1.25 1.240 250,000 and over   1.50 1.490 Now Checking   0.10 0.100 Super Now Checking   0.50 0.500 Statement Savings Account   0.25 0.250 NOT ACCEPTING OUT OF STATE MONEY Minimum balance to open CD account is $500.00. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. APY means Annual Percentage Yield. You have to keep a minimum of $500.00 in your account to earn a yield. A penalty may be imposed for withdrawals before maturity. If your account has an original maturity of one year or less the fee we may impose will equal three months interest on the amount withdrawn subject to penalty. If your account has a maturity of more than one-year the fee we impose will equal six months interest on the amount withdrawn subject to penalty.