Our Current Deposit Account Rates

All Deposit Rates Effective May 1, 2008

Checking Accounts
Account Name
Tiered
APY
(Annual Percentage Yield)
Relationship Checking
$0.00 - $2,499.99
$2,500.00 - $9,999.99
$10,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 and Up
0.25% (0.25% APY)
0.50% (0.50% APY)
0.75% (0.75% APY)
1.49% (1.50% APY)
1.73% (1.75% APY)
NOW Account
(Tiered Daily Balance Interest)
($800.00 Minimum Balance)
$800.00 - $2,499.99
$2,500.00 - $9,999.99
$10,000.00 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 and Up

0.25% (0.25% APY)
0.50% (0.50% APY)
0.75% (0.75% APY)
1.49% (1.50% APY)
1.73% (1.75%APY)
Money Market Account
(Tiered Daily Balance Interest)
($800.00 Minimum Balance)
$800.00 - $2,499.99
$2,500.00 - $14,999.99
$15,000.00 - $24,999.00
0.50% (0.50% APY)
1.49% (1.50% APY)
1.73% (1.75% APY)
Premium Money Market Account
($25,000 Balanced Required To Receive Premium Rate)
$25,000.00 and Up
1.98% (2.00% APY)

Savings Accounts
Account Name
Minimum Balance
APY
(Annual Percentage Yield)
Children's Savings Account
$1
1.24% (1.25% APY)
Little Cub's Club Account
$1
1.24% (1.25% APY)
Minimum Balance Savings
(No Service Charge if $50 Balance is Maintained)
(Tiered Daily Balance Interest)
$50 - $2,499.99
$2,500.00 - $24,999.99
$25,000.00 and Up
0.50% (0.50% APY)
1.00% (1.01% APY)
1.49% (1.50% APY)

Health Savings Accounts
Account Name
Minimum Balance
APY
(Annual Percentage Yield)
Health Savings Account
(Tiered Daily Balance Interest)
$0 - $599.99
$600.00 - $1,499.99
$1,500.00 - $2,499.99
$2,500.00 - $4,999.99
$5,000.00 - $14,999.99
$15,000.00 & Up

0.25% (0.25% APY)
1.00% (1.00% APY)
1.49% (1.50% APY)
1.73% (1.75% APY)
1.98% (2.00% APY)
2.47% (2.50% APY)


Certificate of Deposit
Certificates
APY
(Annual Percentage Yield)
Minimum Opening Balance
Early Withdrawal
Penalty
5 Year
3.25% Simple Interest
$500.00
273 Days Simple Interest
4 Year
3.40% Simple Interest
$500.00
150 Days Simple Interest
3 Year
3.25% Simple Interest
$500.00
120 Days Simple Interest

2 Year

2.90% Simple Interest
$500.00
90 Days Simple Interest
1 Year
2.60% Simple Interest
$500.00
60 Days Simple Interest
18 Month
2.60% Simple Interest
$500.00
60 Days Simple Interest
15 Month
3.25% (3.25% APY)
$10,000.00
60 Days Simple Interest
8 Month
2.99% (3.00% APY)
$10,000.00
30 Days Simple Interest
6 Month

2.34% (2.35% APY)

$500.00
30 Days Simple Interest

Individual Retirement Accounts (IRA)
Term
APY
(Annual Percentage Yield)
Minimum Balance
Early Withdrawal
Penalty
5 Year
3.20% (3.25% APY)
$1.00
273 Days Interest
4 Year
3.34% (3.40% APY)
$1.00
150 Days Interest
3 Year
3.20% (3.25% APY)
$1.00
120 Days Interest
2 Year
2.86% (2.90% APY)
$1.00
90 Days Interest
18 Month
2.57% (2.% APY)
$1.00
75 Days Interest
8 Month
2.96% (3.00% APY)
$1.00
30 Days Interest
1 Year
2.57% (2.60% APY)
$1.00
60 Days Interest