Effective July 22, 2008

PASSBOOK SAVINGS ACCOUNT

Adult

Minimum to open: $25.00

Minimum to earn annual percentage yield: $5.00
Interest rate: 1.25%
Annual percentage yield: 1.26%
 
Student

Minimum to open: $5.00

Minimum to earn annual percentage yield: $5.00
Interest rate: 1.25%
Annual percentage yield: 1.26%

MONEY MARKET DEPOSIT ACCOUNT
Minimum to open: $2,500.00

Minimum to earn annual percentage yield: $2,500.00

Interest rate: 3.00%
Annual percentage yield: 3.04%
Any amount less than $2,500.00 earns an interest rate of 1.00% and an annual percentage rate of 1.00%.

6 MONTH CD
Minimum to open: $1,000.00
Minimum to earn annual percentage yield: $1,000.00

Interest rate: 3.00%

Annual percentage yield: 3.02%

12 MONTH CD
Minimum to open: $1,000.00
Minimum to earn annual percentage yield: $1,000.00

Interest rate: 3.25%

Annual percentage yield: 3.30%

18 MONTH CD
Minimum to open: $1,000.00
Minimum to earn annual percentage yield: $1,000.00

Interest rate: 3.25%

Annual percentage yield: 3.30%

24 MONTH CD
Minimum to open: $1,000.00
Minimum to earn annual percentage yield: $1,000.00

Interest rate: 3.25%

Annual percentage yield: 3.30%

30 MONTH CD
Minimum to open: $1,000.00
Minimum to earn annual percentage yield: $1,000.00

Interest rate: 3.50%

Annual percentage yield: 3.56%

36 MONTH CD
Minimum to open: $1,000.00
Minimum to earn annual percentage yield: $1,000.00

Interest rate: 3.50%

Annual percentage yield: 3.56%

48 MONTH CD
Minimum to open: $1,000.00
Minimum to earn annual percentage yield: $1,000.00

Interest rate: 3.75%

Annual percentage yield: 3.82%

60 MONTH CD
Minimum to open: $1,000.00
Minimum to earn annual percentage yield: $1,000.00

Interest rate: 3.75%

Annual percentage yield: 3.82%

All quoted are subject to change without notice. For current rates, please call 207-288-3685.