IRA CD Tiered Rate Accounts *
EFFECTIVE: August 1, 2008
Products			Minimum Balance	Minimum Balance
	Rate	APY **	to Earn APY**	to Open Account
Fixed IRA
18 Month Fixed IRA	3.10%	3.15%	$95,000	$100
	3.10%	3.15%	$100	$100
24 Month Fixed IRA	3.25%	3.30%	$95,000	$500
	3.25%	3.30%	$500	$500
36 Month Fixed IRA	3.55%	3.61%	$95,000	$500
	3.55%	3.61%	$500	$500
60 Month Fixed IRA	3.80%	3.87%	$95,000	$500
	3.80%	3.87%	$500	$500
Float IRA
18 Month Float IRA	3.15%	3.20%	$95,000	$95,000
	3.15%	3.20%	$100	$100
24 Month Float IRA	3.30%	3.35%	$95,000	$95,000
	3.30%	3.35%	$500	$500
36 Month Float IRA	3.60%	3.67%	$95,000	$95,000
	3.60%	3.67%	$500	$500
60 Month Float IRA	3.85%	3.92%	$95,000	$95,000
	3.85%	3.92%	$500	$500
* TERMS:
A Penalty will be imposed for early withdrawals
Fees may reduce earnings on all accounts
All rates may change after account is opened
Interest Rates (Rate) are subject to change without Notice