Certificates

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Information below is effective October 10, 2008, Interest rates and terms are subject to change at any time.

Certificates of Deposit (including IRA's)

blueline

Note: Substantial early withdrawal penalties apply to certificates of deposit.

Term

Interest Rate

APY

Minimum Daily Balance to Obtain Annual Percentage Yield*

3 Month

2.22%

2.25%

$1.000.00

6 Month

2.37%

2.40%

$1,000.00

12 Month

2.47%

2.50%

$1,000.00

18 Month
Special

3.68%

3.75%

$ 1,000.00

24 Month

2.96%

3.00%

$1,000.00

28 Month
Special

4.02%

4.10%

$1,000.00

36 Month

3.20%

3.25%

$1,000.00

60 Month

3.20%

3.25%

$1,000.00

Note: Individual Retirement Accounts (IRA's) may invest in the above certificates of deposit with a minimum daily balance of only $250.00.

APY stand for "Annual Percentage Yield"
Member FDIC