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Certificate Rates

Certificate Rates as of: 05/06/08

Term Interest Rate Annual Percentage Yield

Certificate of Deposit Accounts

91 Days 1.50% 1.51%
182 Days 2.50% 2.52%
12 Months 2.80% 2.84%
15 Months 3.00% 3.05%
18 Months 3.00% 3.05%
24 Months 3.10% 3.15%
30 Months 3.25% 3.30%
60 Months 3.30% 3.35%

Certificate Of Deposit accounts require a $1000.00 minimum balance to open and earn the stated APY.

A penalty may be imposed for early withdrawal on all Certificates of Deposit.