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INVESTMENT/SAVINGS RATES

INDIVIDUAL RETIREMENT ACCOUNTS (I.R.A.)

Minimum Opening Deposit Term Interest Rate A.P.Y.
$100 1 Year 2.73% 2.75%
$500 Term Interest Rate A.P.Y.

15 Month

Limited Time Offer

3.71% 3.75%

2 Years

Limited Time Offer

3.81% 3.85%

3 Years

3.72% 3.75%
4 Years 3.76% 3.80%
5 Years 3.81% 3.85%
$20,000 Term Interest Rate A.P.Y.
1 Year 2.78% 2.80%

15 Month

Limited Time Offer

3.71% 3.75%

2 Years

Limited Time Offer

3.81% 3.85%
3 Years 3.72% 3.75%
4 Years 3.81% 3.85%
5 Years 3.86% 3.90%
$50,000 Term Interest Rate A.P.Y.

1 Year

2.83% 2.85%

15 Month

Limited Time Offer

3.71% 3.75%

2 Years

Limited Time Offer

3.81% 3.85%
3 Years 3.72% 3.75%
4 Years 3.86% 3.90%
5 Years 3.91% 3.95%

Annual Percentage Yield (A.P.Y.) is effective as of December 22, 2008.

A penalty may be imposed for early withdrawals on I.R.A. accounts.  Rates are subject to
change without notice.

Please contact a Customer Service Representative  for further information about applicable fees and terms.

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COVERDELL EDUCATIONAL SAVINGS ACCOUNTS (C.E.S.A.)

$25.00 Minimum Opening Deposit

Term Interest Rate A.P.Y.
1 Year 2.73% 2.75%
2 Years 3.81% 3.85%
3 Years 3.72% 3.75%
4 Years 3.76% 3.80%
5 Years 3.81% 3.85%

Annual Percentage Yield (A.P.Y.) is effective as of December 22, 2008.

 A penalty may be imposed for early withdrawals on I.R.A. accounts.  Rates are subject to
change without notice.

Please contact a Customer Service Representative for further information about applicable fees and terms.

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CERTIFICATE OF DEPOSIT

Minimum Opening Deposit Term Interest Rate A.P.Y.
$500 91 Days 1.74% 1.75%
182 Days 2.29% 2.30%
1 Year 2.73% 2.75%

15 Month

Limited Time Offer

3.71% 3.75%

2 Years

Limited Time Offer

3.81% 3.85%

3 Years

3.72% 3.75%
4 Years 3.76% 3.80%
5 Years 3.81% 3.85%
$20,000 Term Interest Rate A.P.Y.
91 Days 1.74% 1.75%
182 Days 2.34% 2.35%

1 Year

2.78% 2.80%

15 Month

Limited Time Offer

3.71% 3.75%

2 Years

Limited Time Offer

3.81% 3.85%
3 Years 3.72% 3.75%
4 Years 3.81% 3.85%
5 Years 3.86% 3.90%
$50,000 Term Interest Rate A.P.Y.
91 Days 1.74% 1.75%
182 Days 2.39% 2.40%

1 Year

2.83% 2.85%

15 Month

Limited Time Offer

3.71% 3.75%

2 Years

Limited Time Offer

3.81% 3.85%
3 Years 3.72% 3.75%
4 Years 3.86% 3.90%
5 Years 3.91% 3.95%

Annual Percentage Yield (A.P.Y.) is effective as of December 22, 2008.

A penalty may be imposed for early withdrawals on Certificate of Deposit accounts. 
Rates are subject to change without notice.

Please contact a Customer Service Representative for further information about applicable fees and terms.

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DEPOSIT ACCOUNTS
Account Type
Interest Rate Annual Percentage Yield (APY)
NOW Accounts
To obtain the annual percentage yield disclosed, you must maintain the following balances:
$ 1,000.00 - $ 4,999.99 .35% .35%
$ 5,000.00 - $24,999.99 .55% .55%
$25,000.00 - $49,999.99 .60% .60%
$50,000.00 and Over .80% .80%
Money Market Demand Account 
(Minimum to open account is $2,500.00)
To obtain the annual percentage yield disclosed, you must maintain the following balances:

$           0.01 - $ 2,499.99

.55% .55%
$  2,500.00 - $24,999.99 1.20% 1.21%
$ 25,000.00 - $49,999.99 1.35% 1.36%
$ 50,000.00 - $99,999.99 1.40% 1.41%
$100,000.00 and Over 1.50% 1.51%
Market Share Investment Account 
(Minimum to open account is $25,000.00)
To obtain the annual percentage yield disclosed, you must maintain the following balances:
$           0.01 - $ 2,499.99 .55% .55%
$  2,500.00 - $24,999.99 1.50% 1.51%
$ 25,000.00 - $99,999.99 1.90% 1.92%
$100,000.00 and Over 2.10% 2.12%
Good Neighbors Account 
To obtain the annual percentage yield disclosed, you must maintain the following balances:
$      500.00 - $ 4,999.99 .35% .35%
$ 5,000.00 - $24,999.99 .55% .55%
$25,000.00 - $49,999.99 .60% .60%
$50,000.00 and Over .80% .80%
Statement Savings Account 
To obtain the annual percentage yield disclosed, you must maintain the following balances:
$          0.01 - $ 4,999.99 .65% .65%
$ 5,000.00 - $24,999.99 .90% .90%
$25,000.00 - $49,999.99 .90% .90%
$50,000.00 and Over 1.50% 1.51%
Passbook Savings Account 
To obtain the annual percentage yield disclosed, you must maintain the following balances:
$      100.00 - $ 4,999.99 .65% .65%
$ 5,000.00 - $24,999.99 .90% .90%
$25,000.00 - $49,999.99 .90% .90%
$50,000.00 and Over 1.50% 1.51%
Annual Percentage Yield (A.P.Y.) is effective as of December 22, 2008.
Fees may reduce the earnings on these accounts. Rate may change after account is opened.  

Please contact a Customer Service Representative for further information about applicable fees and terms.

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