Certificates of Deposit Rates *
EFFECTIVE: August 1, 2008
Products			Minimum Balance	Minimum Balance
	Rate	APY **	to Earn APY**	to Open Account
91 Day CD	2.55%	2.58%	$500	$1,000
	2.75%	2.78%	$10,000	$1,000
182 Day CD	2.60%	2.63%	$500	$1,000
	2.80%	2.84%	$10,000	$1,000
9 Month CD	2.60%	2.63%	$500	$1,000
	2.80%	2.84%	$10,000	$1,000
12 Month CD	2.80%	2.84%	$500	$1,000
	3.00%	3.05%	$10,000	$1,000
18 Month CD	3.10%	3.15%	$500	$1,000
	3.30%	3.35%	$10,000	$1,000
24 Month CD	3.25%	3.30%	$500	$1,000
	3.45%	3.51%	$10,000	$1,000
36 Month CD	3.55%	3.61%	$500	$1,000
	3.75%	3.82%	$10,000	$1,000
48 Month CD	3.60%	3.67%	$500	$1,000
	3.80%	3.87%	$10,000	$1,000
60 Month CD	3.80%	3.87%	$500	$1,000
	4.00%	4.08%	$10,000	$1,000
* 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