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Rates Effective: 02/09/2007

Featured Rate:
5.09%APY
12 Months - $50,000.00 and over


Term Minimum Deposit To Open Minimum Balance To Earn APY Interest Rate Annual Percentage Yield Compounding Frequency
12 Months $500.00 $500.00 - $49,999.99 4.75% 4.84% Quarterly
$50,000.00 and over 5.00% 5.09% Quarterly
18 Months $500.00 $500.00 - $49,999.99 4.25% 4.32% Quarterly
$50,000.00 and over 4.50% 4.58% Quarterly
24 Months $500.00 $500.00 - $49,999.99 4.25% 4.32% Quarterly
$50,000.00 and over 4.50% 4.58% Quarterly
30 Months $500.00 $500.00 - $49,999.99 4.00% 4.06% Quarterly
$50,000.00 and over 4.25% 4.32% Quarterly
36 Months $500.00 $500.00 - $49,999.99 4.00% 4.06% Quarterly
$50,000.00 and over 4.25% 4.32% Quarterly
48 Months $500.00 $500.00 - $49,999.99 4.00% 4.06% Quarterly
$50,000.00 and over 4.25% 4.32% Quarterly
60 Months $500.00 $500.00 - $49,999.99 4.00% 4.06% Quarterly
$50,000.00 and over 4.25% 4.32% Quarterly
IRA Statement Savings $50.00 $0.01 3.75% 3.81% Monthly

Rates effective as of 02/09/2007. Fees could reduce earnings. On Certificate and IRA Accounts a penalty may be imposed for early withdrawal. IRA accounts will be charged an IRA Service Fee of $10.00 annually on December 15th.

All Depositors Insured in Full.