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Time Certificates of Deposit
Time APY* will be offered: July 23rd, 2008 through July 29th, 2008
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Minimum Balance
to obtain APY
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91
Day
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182
Day
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12
Month
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18
Month
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24
Month
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30
Month
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36
Month
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48
Month
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$500 - $9,999.99
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APY*
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2.32
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2.52
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2.83
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2.88
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2.93
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3.09
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3.09
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3.09
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Interest Rate
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2.30
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2.50
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2.80
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2.85
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2.90
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3.05
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3.05
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3.05
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$10,000 - $24,999.99
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APY*
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2.42
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2.63
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2.93
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2.98
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3.03
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3.19
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3.19
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3.19
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Interest Rate
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2.40
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2.60
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2.90
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2.95
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3.00
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3.15
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315
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3.15
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$25,000 or more
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APY*
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2.52
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2.73
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3.03
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3.09
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3.14
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3.29
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3.29
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3.29
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Interest Rate
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2.50
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2.70
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3.00
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3.05
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3.10
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3.25
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3.25
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3.25
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*APY = Annual Percentage Yield
Minimum to Open Account is $500.00
Substantial Penalty if early withdrawal is allowed from time Certificates of Deposit.
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Deposit Accounts
Rates offered July 23rd, 2008 through July 29th, 2008
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Minimum Balance
to Obtain APY
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APY*
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Interest Rate
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Individual Retirement Accounts
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**IRA-Variable
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3.03
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3.00
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***CESA/IRA-Fixed
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3.14
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3.10
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Money Market
Deposit Accounts
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minimum to open $2,500
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$0 - $2,499.99
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1.01%
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1.00%
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$2,500 - $4,999.99
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1.51%
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1.50%
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$5,000 - $9,999.99
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1.77
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1.75
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$10,000 - $24,999.99
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2.53
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2.50
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$25,000 and up
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3.05
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3.00
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NOW Account****
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minimum to open $1,000
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$0 - $999.99
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1.11%
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1.10%
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$1,000 and up
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1.41%
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1.40%
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Savings Account
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1.06%
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1.05%
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Quick-Save Savings
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1.56%
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1.55%
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Fees could reduce earnings on all accounts.
* APY = Annual Percentage Yield
**IRA/Variable rate may change at the bank's discretion.
*** Coverdell Education Savings Account - CESA/IRA-Fixed rate is a one year term changeable to the effective rate on the account opening anniversary date. The IRA is a time deposit open account. Additions are allowed during the course of the year. There is a substantial penalty for early withdrawal from these IRA accounts.
****This is a variable rate account and the rate may change after the account is opened at bank's discretion.
Separate disclosures are available upon request for all accounts. Complete disclosures will be given at account opening for all accounts.
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