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Personal Banking
Deposit Rates

Regular savings
Most Money Accounts
Now Checking Accounts
Super Now Checking Accounts
Certificates of Deposit
Deposit Account Fees

Interest Rates are effective as of Tuesday, August 19, 2008.

REGULAR SAVINGS INTEREST RATE APY*
0.25% 0.25%

MOST MONEY ACCOUNTS INTEREST RATE APY*
Balance of $25,000 or more 1.00% 1.00%
Balance of at least $5,000,
but less than $25,000
0.95% 0.95%
Balance of less than $5,000 0.20% 0.20%

MONEY PLUS SAVINGS ACCOUNT INTEREST RATE APY*
Balance of $50,000 or more 2.00% 2.02%
Balance of at least $25,000 but less than $50,000 1.65% 1.66%
Balance of at least $5,000 but less than $25,000 1.25% 1.26%
Balance of less than $5,000 0.25% 0.25%

A Money Plus Checking Account must be opened in conjunction with a Money Plus Savings Account.

NOW ACCOUNT INTEREST RATE APY*
0.20% 0.20%
Fees may reduce earnings on this account.

SUPER NOW ACCOUNT INTEREST RATE APY*
Balance of $2,500 or more 0.30% 0.30%
Balance of less than $2,500 0.20% 0.20%
Fees may reduce earnings on this account.

These rates are subject to change after account opening.
*Annual percentage yield.



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Interest Rates are effective as of Tuesday, August 19, 2008.

CERTIFICATE OF DEPOSIT RATES MATURITY INTEREST RATE APY*
3 Month CD 2.47% 2.50%
6 Month CD 2.86% 2.90%
1 Year CD 3.00% 3.04%
1 1/2 Year CD 3.25% 3.30%
2 Year CD 3.35% 3.40%
2 1/2 Year CD 3.69% 3.75%
3 Year CD 3.78% 3.85%
5 Year CD 4.10% 4.18%

These interest rates are subject to change without notice. Substantial penalty for early withdrawal. $500 minimum investment required to open a certificate of deposit.
*Annual Percentage yield.


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Effective Tuesday, August 19, 2008.
We are pleased to offer some of the lowest fees available!
Cashier's check $3.00
Certified check $10.00
Counter check $1.00 per (3) three
Money order $2.00
Check printing varies with check style
Canadian funds check $10.00
Dormant account fee (An account is dormant if inactive for 12+ months) $2.00 per month
Return item (All items paid per day) $24.00
A return item may be created by check, in person withdrawal, ATM withdrawal or other electronic means.
Nonsufficient funds (NSF) (All items returned per day) $24.00
Insufficient funds may be created by check, in person withdrawal, ATM withdrawal or other electronic means.
Automated overdraft transfer $3.00
Statement returned $1.00
Account research (per hour, 1 hour min.) $20.00
Account balancing assistance (per hour, 1 hour min.) $15.00
Copy of statement or account history printout $3.00
Copy of paid check $1.00
Special cutoff statement $3.00
CSR assisted balance inquiry $1.00
CSR assisted transfer $1.00
Stop payment $20.00
Account closing (within 90 days of opening) $10.00
Replacement of lost passbook $5.00
Deposited items returned:
Domestic $5.00
International $18.00


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