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Deposit Rates 
   Rates are effective August 21, 2008 
* Rates may change after the account is opened 
CHECKING ACCOUNT INTEREST RATES 
Checking 
Products 
 
NOW 
SuperNOW 
Minimum 
Balance 
To Open 
$1,000.00 
$2,500.00 
Interest 
Rate 
 
.40%  * 
.40%  * 
Annual 
Percentage 
Yield 
.40%  * 
.40%  * 
NOW 
$1,000.00 
.40% * 
.40% * 
SuperNOW 
$2,500.00 
.40% * 
.40% * 

SAVINGS ACCOUNT INTEREST RATES 
Savings 
Products 
 
Savings 
Premier Savings 
up to $24,999.99 
$25,000.00 or more 
 
HiFi Investment 
up to $14,999.99 
$15,000-49,999.99 
$50,000.00-99,999.99 
$100,000.00 or more 
Minimum Balance 
To Open 
 
$25.00 
 
$5,000.00 
 
 
 
$2,500.00 
Interest Rate 
 
 
.50%  * 
 
.50% * 
1.00% * 
 
 
.50% * 
1.00% * 
2.50% * 
3.00% * 
Annual 
Percentage  
Yield 
.50%  * 
 
.50% * 
1.00% * 
 
 
.50% * 
1.00% * 
2.52% * 
3.03% * 
Savings 
$25.00 
.50% * 
.50% * 
Premier Savings 
up to $24,999.00 
$25,000.00 & over 
$5,000.00 
 
.50% * 
1.00% * 
 
.50% * 
1.00% *  
Christmas Club 
$25.00 
.50% * 
.50% * 
HiFi Investment 
up to $14,999.99 
$15,000 - 49,999 
$50,000 - 99,999 
$100,000.00 + 
$2,500.00 
 
 
.50% * 
1.00% * 
2.50% * 
3.00% * 
 
.50% * 
1.00% * 
2.52% * 
3.03% * 

CERTIFICATE OF DEPOSIT INTEREST RATES 
Certificate Term 
Minimum Balance 
To Open 
Interest 
Rate 
Annual 
Percentage Yield 
91-day CD 
182-day CD 
12 month CD 
15 month CD 
18 month CD 
24 month CD 
27 month Bump-Up  
30 month CD  
36 month CD 
48 month CD 
$1,000.00 
$1,000.00 
$1,000.00 
$1,000.00 
$1,000.00 
$1,000.00 
$1,000.00 
$1,000.00 
$1,000.00 
$1,000.00 
2.00 % 
2.20 % 
2.50 % 
2.50 % 
2.50 % 
3.00 % 
2.75 % * 
3.00 % 
3.25 % 
3.75 % 
2.01 % 
2.21 % 
2.52 % 
2.52 % 
2.52 % 
3.03% 
2.78 % * 
3.03 % 
3.29 % 
3.80 % 
182-day Certificate 
$1,000.00 
2.00% 
2.01% 
12-month Certificate 
$1,000.00 
2.25% 
2.26% 
15-month Certificate 
$1,000.00 
2.25% 
2.27% 
18-month Certificate 
$1,000.00 
2.25% 
2.27% 
24-month Certificate 
$1,000.00 
2.50% 
2.52% 
27-month Bump-Up CD 
$1,000.00 
2.50% 
2.52% 
30-month Certificate 
$1,000.00 
2.75% 
2.78% 
36-month Certificate 
$1,000.00 
3.00% 
3.03% 
48-month Certificate 
$1,000.00 
3.00% 
3.03% 

IRA INTEREST RATES 
IRA TERM 
Minimum Balance 
To Open 
Interest 
Rate 
Annual 
Percentage Yield 
12-month Fixed Rate 
24-month Fixed Rate 
36-month Fixed Rate 
48-month Fixed Rate 
18-month Variable 
5-year Variable  
$250.00 
$250.00 
$250.00 
$250.00 
$250.00 
$250.00 
3.00 % 
3.25 % 
3.50 % 
3.75 % 
1.85 % * 
2.82 % * 
3.03 % 
3.29 % 
3.54 % 
3.80 % 
1.86% * 
2.85 % * 
24-month Fixed Rate 
$250.00 
3.00% 
3.03% 
36-month Fixed Rate 
$250.00 
3.25% 
3.29% 
48-month Fixed Rate 
$250.00 
3.25% 
3.29% 
18-month Variable 
$250.00 
1.82% * 
1.83% * 
5-year Variable 
$250.00 
2.23% * 
2.25%* 
1.77% * 

* Variable Rate Deposits - Rates subject to change 
Substantial penalty for early withdrawal on Certificates of Deposit 
APY indicates interest compounded monthly for all checking and savings accounts 
APY indicates interest compounded quarterly for all Certificate of Deposits & IRA's 
Minimum Deposit of $1,000 for all Certificates of Deposit 

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