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Rates Effective Date
As of Thursday, November 20, 2008


  Savings & Money Market Certificates IRAs Loans Mortgages Business Accounts Credit Cards
ProductAPY%APR%Minimum Opening DepositMinimum Balance to Avoid a FeeBalance Computation MethodMinimum Balance to earn APYCompounding MethodCrediting Frequency
Regular & Youth Savings and Money Market Accounts
Money Market Account Tier 11.65%1.64% $1.00N/ADaily $500.00MonthlyMonthly
Money Market Account Tier 22.15%2.13% $1.00N/ADaily $25,000.00MonthlyMonthly
Money Market Account Tier 32.65%2.62% $1.00N/ADaily $50,000.00MonthlyMonthly
Youth Savings Account - Balance up to $1,0006.00%5.87% $5.00N/ADaily $5.00QuarterlyQuarterly
Youth Saving Account - Balance over to $1,0003.00%2.97% $5.00N/ADaily $5.00QuarterlyQuarterly
6 month Youth Certificate3.15%3.10% $100.00N/ADaily $100.00DailyMonthly
12 month Youth Certificate3.50%3.44% $100.00N/ADaily $100.00DailyMonthly
24 month Youth Certificate4.00%3.92% $100.00N/ADaily $100.00DailyMonthly
Student Checking0.10%0.10% $0.00N/ADaily $2,500.00MonthlyMonthly
Better Benefit Checking2.00%1.98% $0.00No minimum balance fee $3.00 monthly account fee on all balancesDaily $0.00MonthlyMonthly
Checking - No Longer Offered0.00%0.00% $0.00N/ADaily $0.00N/AN/A
Free Checking Plus - Non Interest Bearing Account0.00%0.00% $0.00No minimum balance N/A $0.00N/AN/A
Savings Accounts 1.01%1.00% $5.00N/ADaily $5.00QuarterlyQuarterly
Premium Savings Account - No Longer Offered2.50%2.47% $25,000.00N/ADaily $25,000.00QuarterlyQuarterly
Dividends are calculated on a day of deposit to day of withdrawal basis. For crediting frequency and compounding method, refer to the dividend payment column above. Fees or other conditions could affect could affect earnings. APY's are accurate as of above date.

*Variable rate accounts. **Penalties may be imposed for early withdrawal. Other rates and terms available upon request.***
Tier bands are based on daily deposited balances. Current Prime is 4.00%.

APY% = Annual Percentage Yield (APY)%
APR=Dividend Rate%


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