Transaction & Savings Accounts

Interest Rates and Annual Percentage Yields as of May 05, 2008

ACCOUNT

MINIMUM DAILY BALANCE TO OBTAIN APY

INTEREST RATE

APY

PASSBOOK SAVINGS1

$0

0.35%

0.35%

DAY OF DEPOSIT TO DAY OF WITHDRAWAL1

$0

0.50%

0.50%

STATEMENT CHECKING2

$100

0.45%

0.45%

NOW2

$1,000

0.15%

0.15%

MONEY MARKET 2

$2,500 up to $25,000
$25,000 or more

0.50%
1.25%

0.50%
1.26%

CHRISTMAS CLUB3

$0

0.75%

0.75%

VACATION CLUB 3

$0

0.75%

0.75%


1 The interest rates and APYs will vary. At our discretion the interest rate will change monthly.

2 The interest rates and APYs will vary. At our discretion the interest rate will change daily. Fees could reduce earnings.

3 The interest rate and APY is fixed during the term of the club accounts. An early penalty may apply for early withdrawal.


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