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Rates1

Effective July 07, 2008


Account/Minimum Daily Balance for APY

Interest Rate

Annual Percentage Yield (APY)

Minimum Opening Balance



Admiral Savings
(All balances) 1.49% 1.50% 0


Regular Savings
(All balances) 1.00% 1.00% $300


Money Market Account
$0-$2,499.99 .25% .25% $2,500
$2,500-$9,999.99 1.00% 1.00
$10,000 and Over 1.49% 1.50


Premier Money Market3
$0-$49,999.99 1.735% 1.75% $2,500
$50,000-$99,999.99 1.98% 2.00%
$100,000+ 2.23% 2.25%


NOW
(All balances) .50% .50% $2,500


Super NOW
$0-$1,499.99 1.00% 1.00% $100
$1,500-$2,499.99 1.24% 1.25%
$2,500 and Over 1.49% 1.50%


Certificates of Deposit (Penalty for early withdrawal)
3-Mo. CD 1.98% 2.00% $1,000
6-Mo. CD 3.446% 3.50% $1,000
1-Yr. CD 3.69% 3.75% $1,000
18 Mos. CD 3.93% 4.00% $1,000
2-Yr. CD 2.47% 2.50% $1,000
3-Yr. CD 2.47% 2.50% $1,000
4-Yr. CD 2.47% 2.50% $1,000
5-Yr. CD 2.47% 2.50% $1,000


Individual Retirement Account (Penalty for early withdrawal)
1-Yr CD 2.47% 2.50% $500
3-Yr CD 2.47% 2.50% $500
5-Yr CD 2.47% 2.50% $500

1 Rates are subject to change without notice after account is opened for all accounts except certifcates.
   Service fees may reduce earnings.

3 Premier Money Market earns a split interest rate. The portion of an account's balance which is less than the second tier amount earns interest at the first rate. The portion of an account's balance which is more than the first tier, but less than the third tier, earns interest at the second rate. The portion of an account's balance which is more than the seond tier amount earns interest at the third rate.

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