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Consumer Certificates of Deposit
(Rates subject to change without notice)
Fees could reduce the earnings on the account.
Effective 07/24/2008 we do not accept out of state or Brokered Certificates of Deposit.


Relationship premium!
If you maintain a loan of more than $5,000 or have deposit accounts other than CD's or IRA's more than $5,000 we will pay you .25% APY higher than our posted rates. This Rate Chart contains information about interest rates and annual percentage yields for some of the accounts we offer.
TERM MINIMUM
OPENING
BALANCE		 INTEREST
RATE		 ANNUAL
PERCENTAGE
YIELD
14-day CD (a) $25,000 2.32% 2.35%
4 Month CD Special(a) $1000 2.38% 2.40%
Add-N-Earn 12 Month Growth CD (a) $500 2.48% 2.50%
30 Month CD Special(a) $1000 3.95% 4.01%
30 to 90 Days(a) $1000 1.00% 1.00%
91 to 181 Days(a) $1000 1.64% 1.65%
182 to 364 Days(a) $1000 2.04% 2.06%
12 to 23 Months(a) $1000 2.24% 2.26%
24 to 35 Months(a) $1000 2.79% 2.82%
36 to 47 Months(a) $1000 2.98% 3.01%
48 Months(a) $1000 3.12% 3.16%
60 Month CD(a) $1000 3.17% 3.21%
Add-N-Earn 24 Months(a) $1000 2.48% 2.50%
27 Month Rate Watcher SPECIAL CD(a & b) $1000 2.98% 3.01%
18 Month Time Deposit Open Account (TDOA)(a) $100 1.99% 2.00%



(a) Substantial penalty for early withdrawal.
(b) Interest rate and annual percentage yield may change after account opening.
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