Checking and Savings Rates

Effective as of 10-09-2008. Rates are subject to change.

Interest rates may vary after opening account. Fees could reduce earnings.  *Annual Percentage Yield

Account

Minimum Deposit to Open

  Interest Rate  

  APY*  

  Passbook Savings

$50.00

0.15

0.15

  Health Savings Account

$100.00

1.00

1.00

  Super Now Checking

$500.00

0.25

0.25

  Money Market Checking

$500.00

0.25

0.25

  Senior's Checking

$100.00
($500 minimum balance
required to earn interest)

0.25

0.25

CD Rates

All CDs have a penalty for early withdrawal. *Annual Percentage Yield

Term

Minimum Deposit to Open

  Interest Rate  

  APY*  

3 Months

$500.00

.75

.75
4 Months
Not Offered at this time

6 Months

$500.00

2.15

2.15

7 Months
Not Offered at this time
10 Months
Not Offered at this time

12 Months

$500.00

2.50

2.50

14 Months
Not Offered at this time
15 Months
$500.00
2.55
2.56

18 Months

$500.00

2.55

2.56

24 Months

$500.00

2.60

2.60

36 Months

$500.00

3.25

3.25

48 Months
$500.00
3.50
3.50

60 Months

$500.00

3.75

3.75

IRA Rates

IRA's may have a penalty for early withdrawal.  *Annual Percentage Yield

Term

  Interest Rate  

  APY*  

Fixed

3.25

3.30

Variable

3.25

3.30