DEPOSIT RATES AS OF NOVEMBER 18, 2008

DEPOSIT RATES
As of NOVEMBER 18, 2008

CHECKING
	MINIMUM TO EARN APY	MINIMUM OPENING DEPOSIT	INTEREST RATE	APY*
**Personal Checking - with Interest	$1,000***	$1,000***	.25	.25
**Personal Checking - with Interest	$2,500***	$2,500***	.25	.25

SAVINGS
**Regular Savings	$100.00		.25	.25
**Money Market=/>	$2,500 - $9,999.99.99***		.25	.25
**Money Market=/>	$10,000 - $49,999.99***		.75	.75
**Money Market=/>	$50,000 - $99,999.99***		1.25	1.26
**Money Market>	$100,000***		1.50	1.51
**Freedom Money Market Savings	$50,000 - $99,999.99***		1.50	1.51
	$100,000 - $249,999.99***		2.00	2.02
	$250,000***		2.50	2.53
**Christmas Club		$20***	1.50	1.50
**Looney Tunes Club		$20***	.51	.51

CERTIFICATES
6 Months	$500***		2.08 ⁽¹⁾	2.10
12 Months	$500***		2.31 ⁽¹⁾	2.33
24 Months	$500***		2.54⁽²⁾	2.56
36 Months	$500***		2.93 ⁽²⁾	2.96

SPECIALS
7-12 Months	$10,000***		3.22⁽¹⁾	3.26
13 Months	$10,000***		3.22⁽²⁾	3.26

SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL MAY APPLY ⁽¹⁾3 Month Interest Penalty (90 days) ⁽²⁾6 Month Interest Penalty (180 days) Annual Percentage Yield – Fees could reduce earnings Rate may change after account opened **Average Daily Balance MEMBER FDIC ALL RATES ARE SUBJECT TO CHANGE