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Current Rates for Certificates of Deposits and IRAs

Rates are effective as of  November 3, 2008

91 Days
1.50%
APY 1.51%
182 Days
2.85%
APY 2.88%
12 Months
3.25%
APY 3.29%
24 Months
3.50%
APY 3.55%
36 Months
3.75%
APY 3.80%
48 Months
3.75%
APY 3.80%
60 Months
3.85%
APY 3.90%


SAVINGS: RATE 1.50% APY 1.51%
NOW & MMIA: RATE 0.50% APY 0.51%
CHRISTMAS CLUB RATE 1.50% APY 1.51%

*** Rates are subject to change without notice ***
Minimum deposit of $500

APY= ANNUAL PERCENTAGE YEILD