Interest Bearing Checking++ Rates Effective September 1, 2008
	Interest Rate	APY*	Minimum to Obtain APY	Required to open
Tier 1	1.000%	1.00%	$1,000.00	$1,000.00
Tier 2 $25,000.00	1.000%	1.00%
Tier 3 $100,000.00	1.000%	1.00%
* APY = Annual Percentage Yield. The APY assumes funds will remain on the deposit a full year at the advertised rate. ++ At our discretion, we may change the interest rate and APY on the above listed account at any time. The interest rate and annual percentage yield may change after account opening. Fees could reduce the earnings on the account

Savings Account** Rates Effective September 1, 2008
	Interest Rate	APY*	Minimum to Obtain APY	Required to Open
$0.00 - $999.99	1.000%	1.00%		$50.00
$1,000.00 - $24,999.99	1.000%	1.00%	$1,000.00	$50.00
$25,000.00 - $99,999.99	1.000%	1.00%	$25,000.00	$50.00
$100,000.00 and above	1.000%	1.00%	$100,000.00	$50.00
* APY = Annual Percentage Yield. The APY assumes funds will remain on the deposit a full year at the advertised rate. ++ At our discretion, we may change the interest rate and APY on the above listed account at any time. The interest rate and annual percentage yield may change after account opening. Fees could reduce the earnings on the account

Certificates of Deposit** Rates Effective September 1, 2008
	Interest Rate	APY*	Minimum to Obtain APY	Required to Open
30 Day***	1.000%	1.00%	$500.00	$500.00
91 Day	1.750%	1.76%	$500.00	$500.00
182 Day	2.500%	2.52%	$500.00	$500.00
1 Year	2.750%	2.77%	$500.00	$500.00
18 Month	2.750%	2.77%	$500.00	$500.00
2 Year	3.000%	3.02%	$500.00	$500.00
30 Month	3.000%	3.02%	$500.00	$500.00
3 Year	3.250%	3.28%	$500.00	$500.00
4 Year	3.500%	3.53%	$500.00	$500.00
5 Year	3.750%	3.79%	$500.00	$500.00
2 Year Variable Rate ++	3.000%	3.02%	$500.00	$500.00
* APY = Annual Percentage Yield. The APY assumes funds will remain on the deposit a full year at the advertised rate. ** Funds must remain on deposit until maturity to earn the advertised yield. Substantial interest penalty is required for early withdrawl: 3 month penalty will be assessed on amount withdrawn. *** 7 day interest penalty applies ++ At our discretion, we may change the interest rate and APY on the above listed account at any time. The interest rate and annual percentage yield may change after account opening. Fees could reduce the earnings on the account

Individual Retirement Accounts** Rates Effective September 1, 2008
	Interest Rate	APY*	Minimum to Obtain APY	Required to Open
1 Year	2.750%	2.77%	$500.00	$500.00
18 Month	2.750%	2.77%	$500.00	$500.00
2 Year	3.000%	3.02%	$500.00	$500.00
30 Month	3.250%	3.28%	$500.00	$500.00
3 Year	3.250%	3.28%	$500.00	$500.00
4 Year	3.500%	3.53%	$500.00	$500.00
5 Year	3.750%	3.79%	$500.00	$500.00
10 Year	3.750%	3.79%	$500.00	$500.00
Roth/Education - 5 Year	3.750%	3.79%	$500.00	$500.00
Education IRA - 5 Year	3.750%	3.79%	$500.00	$500.00
* APY = Annual Percentage Yield. The APY assumes funds will remain on the deposit a full year at the advertised rate. ** Funds must remain on deposit until maturity to earn the advertised yield. Substantial interest penalty is required for early withdrawl: 3 month penalty will be assessed on amount withdrawn. Penalty for early withdrawal if not 59 1/2 years of age.

Money Market Checking++ Rates Effective September 1, 2008
	Interest Rate	APY*	Minimum to Obtain APY	Required to Open
Tier 1	1.000%	1.000%	$1,000.00	$1,000.00
Tier 2 $25,000.00	1.000%	1.000%
Tier 3 $100,000.00	1.000%	1.000%
* APY = Annual Percentage Yield. The APY assumes funds will remain on the deposit a full year at the advertised rate. ++ At our discretion, we may change the interest rate and APY on the above listed account at any time. The interest rate and annual percentage yield may change after account opening. Fees could reduce the earnings on the account