Wednesday, January 07, 2009

Account Type Plan Minimum Opening Balance Minimum Balance to Obtain Annual Percentage Yield (APY) Interest Rate Annual Percentage Yield (APY) Date of Last APY Change Type of Change Personal Interest Checking  50+ Free Interest Checking  $50  0  0.05%  0.05%  12/23/2008    Direct Deposit Free Interest Checking  $50  0  0.05%  0.05%  12/23/2008    Premium Interest Checking  $50  0-$4,999.99  0.25%  0.25%  2/25/2008        $5,000-$14,999.99  0.25%  0.25%  2/25/2008        $15,000-$29,999.99  0.40%  0.40%  3/20/2008        $30,000- $49,999.99  0.50%  0.50%  10/31/2008        $50,000-$99,999.99  0.65%  0.65%  12/23/2008        $100,000-$249,999.99  1.00%  1.00%  12/23/2008        $250,000 and above  1.00%  1.00%  12/23/2008  Personal Savings  American Money Fund  $100  0-$49,999.99  0.10%  0.10%  12/23/2008        $50,000-$99,999.99  0.15%  0.15%  12/23/2008        $100,000 and above  0.20%  0.20%  12/23/2008    Young American Savings  $5  0  0.15%  0.15%  12/23/2008    American Savings  $100  0  0.15%  0.15%  12/23/2008  Personal Retirement Savings  IRA Savings  $500  0-$49,999.99  2.00%  2.02%  12/23/2008        $50,000 and above  2.10%  2.12%  12/23/2008  The Interest Rate and Annual Percentage Yield are subject to change at any time. Fees could reduce earnings. Interest is paid monthly. Annual Percentage Yield is subject to change at any time. Member FDIC - ask us for further information about these accounts.

Wednesday, January 07, 2009

Account Type Plan Minimum Opening Balance Minimum Balance to Obtain Annual Percentage Yield (APY) Interest Rate Annual Percentage Yield (APY) Date of Last APY Change Type of Change Money Market Certificates of Deposit  30 days  $1000  $1000  1.25%  1.26%  12/23/2008    60 days  $1000  $1000  1.25%  1.26%  12/23/2008    90 days  $1000  $1000  1.25%  1.26%  12/23/2008    120 days  $1000  $1000  1.25%  1.26%  12/23/2008    180 days  $1000  $1000  1.50%  1.51%  12/23/2008    210 days  $1000  $1000  1.50%  1.50%  12/23/2008    270 days  $1000  $1000  1.50%  1.50%  12/23/2008    1 year  $1000  $1000  2.00%  2.00%  12/23/2008    2 years  $1000  $1000  2.00%  2.00%  12/23/2008  Jumbo Certificates of Deposit  30 days  $50,000  $50,000  1.35%  1.36%  12/23/2008    60 days  $50,000  $50,000  1.35%  1.36%  12/23/2008    90 days  $50,000  $50,000  1.35%  1.36%  12/23/2008    120 days  $50,000  $50,000  1.35%  1.36%  12/23/2008    180 days  $50,000  $50,000  1.60%  1.61%  12/23/2008    210 days  $50,000  $50,000  1.60%  1.61%  12/23/2008    270 days  $50,000  $50,000  1.60%  1.60%  12/23/2008    1 year  $50,000  $50,000  2.10%  2.10%  12/23/2008    2 years  $50,000  $50,000  2.10%  2.10%  12/23/2008  IRA Certificates of Deposit  1 year  $10,000  $10,000  2.00%  2.00%  12/23/2008    2 years  $10,000  $10,000  2.00%  2.00%  12/23/2008    1 year  $50,000  $50,000  2.10%  2.10%  12/23/2008    2 years  $50,000  $50,000  2.10%  2.10%  12/23/2008  Interest is paid at least annually on CDs longer than 1 year. The Annual Percentage Yield on accounts which have a stated maturity of less than one year assumes that funds remain on deposit at least one full year, and withdrawal of funds prior to one year will result in a lower APY. Substantial penalty for early withdrawals on all CDs which could reduce earnings. Annual Percentage Yield is subject to change at any time. Member FDIC ask us for further information about these accounts.