Rates Are Effective as of May 20, 2008

Annual Percentage Yields

Regular Passbook

0.50%

**Money Market Savings or Checking Plus

Savings

Checking

$50,000 or greater*

2.00%

1.60%

$25,000 to $49,999

1.75%

1.30%

$10,000 to $24,999

1.25%

1.00%

$1,000 to $9,999

1.05%

0.50%

*** Balances below $1,000 earn the regular Passbook Rate

** Fees could reduce earnings on accounts

** Certificates of Deposit ($500 minimum)

A.P.Y.

Interest Rate

31 Days to 5 Months CD

1.75%

1.735%

6 Months CD

2.30%

2.274%

1 Year CD

2.40%

2.372%

18 Month CD

2.50%

2.469%

18 Month Variable Rate CD

2.55%

2.518%

(add deposits anytime during term)

2 Year CD

2.50%

2.469%

3 Year CD

2.55%

2.518%

4 Year CD

2.55%

2.518%

5 Year CD

2.55%

2.518%

Long Term CD (over 6 years)

2.55%

2.518%

IRA Variable Rate CD (12 Months)

2.50%

2.469%

** A penalty may be imposed for early withdrawal

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