Rates effective as of 12/26/08
Residential Mortgage Loans
Type    Term    Rate    APR    Points    Down Payment
Fixed    15 Years    6.000%    6.000%    0    20% Required
Fixed    30 Years    6.250%    6.250%    0    20% Required
 
Consumer Installment Loan Rate
Type    Model Year    Term    Rate    APR
Car Loan***    2009       7.000%   
Car Loan***    2008       7.125%   
Car Loan***    2007 - Used       7.25%   
Car Loan***    2006       7.375%   
Car Loan***    2005       7.500%   
Car Loan***    2004       7.75%   
 
Deposit Rates
Type    APY
PERSONAL CERTIFICATES OF DEPOSIT    TIER 4/ TIER 3 / TIER 2
7-31 Day Tiered Certificate of Deposit*    1.00% / 1.05% / 1.10%
91-Day Tiered Certificate of Deposit*    1.15% / 1.21% / 1.26%
182-Day Tiered Certificate of Deposit*    1.60% / 1.65% / 1.70%
1-Year Tiered Certificate of Deposit*    1.80% / 1.85% /1.90%
2-Year Tiered Certificate of Deposit*    2.00% / 2.06% /2.11%
3-Year Tiered Certificate of Deposit*    2.25% /2.30% /2.35%
4-Year Tiered Certificate of Deposit*    2.35% / 2.40% / 2.45%
JUMBO CERTIFICATES (OVER 100K)    Add .15 per term to Tier 4
SAVINGS & CHECKING PRODUCTS   
Statement Savings** - $100 Minimum - To Open    .40%
N.O.W. Account ** - Minimum $1,000.00 - To Open    .25%
50 & More NOW Account** - Tier 2 Minimum $500.00 - To Open    .35%
INDIVIDUAL RETIREMENT ACCOUNTS (I.R.A.)   
182 Day IRA - Minimum $1,000.00    1.75%
18 Month IRA **- Minimum $25.00    1.95%
30 Month IRA - Minimum $500.00    2.00%
48 Month IRA - Minimum $500.00    2.50%
 
APR-Annual Percentage Rate APY-Annual Percentage Yield * Tiered Balances to obtain the APY are as follows: Tier 4: $1,000.00 - $9,999.99 Tier 3: $10,000.00 - $24,999.99 Tier 2: $25,000.00 - $99,999.99 Jumbo Rates Available for Certifiactes $100,000.00 or over. Automatically renewable. APY assumes interest remains on deposit until maturity, a withdrawal will reduce earnings. ** Variable rate account. Rate may change after the account is opened. *** Contact us for terms and down payment requirements on auto loans.
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