RATES

Rates effective as of December 18, 2008.


Deposit Rates
Account Type
Tiers
Interest Rate
APY*
3 Months**
$1000 MIN
0.70%
0.70%
6 Months**
$500 MIN
1.20%
1.21%
6 Months**
$2500 MIN
1.45%
1.46%
12 Months**
$500 MIN
1.50%
1.51%
12 Months**
$2500 MIN
1.60%
1.61%
24 Months**
$500 MIN
1.70%
1.71%
36 Months**
$500 MIN
1.80%
1.82%
SPECIALS
7 Month**
$1000 MIN
1.85%
1.87%
10 Month**
$1000 MIN
0.30%
0.30%
13 Month**
$1000 MIN
1.65%
1.66%
18 Month**
$1000 MIN
1.70%
1.71%
20 Month**
$1000 MIN
1.75%
1.77%
30 Month**
$1000 MIN
1.75%
1.77%
Regular Savings
0.20%
0.20%
NOW Checking
0.10%
0.10%
Public Funds NOW Checking
$0 - $2499.99
0.10%
0.10%
$2500 MIN
0.20%
0.20%
$25000 MIN
0.30%
0.30%
$50000 MIN
0.40%
0.40%
$75000 MIN
0.50%
0.50%
HI-FI Accounts
$0 - $2499.99
0.45%
0.45%
$2500 MIN
0.75%
0.75%
$25000 MIN
0.85%
0.85%
$50000 MIN
0.95%
0.95%
$75000 MIN
1.00%
1.01%
IRA Savings
$0+ MIN
0.60%
0.60%
Funeral CD
60 Month**
$1000 MIN
1.90%
1.92%
Loan Rates
Please Stop in or Call
Prime Rate 3.25%
effective 12/18/08
*Annual Percentage Yield
**Penalty for early withdrawal.
Fees may affect earnings on the account.
Rates may change after the account is opened.
Minimum $100 opening deposit required to open checking & Public Funds NOW checking accounts, except NOW checking requires an $800 minimum opening deposit.
Minimum $50 opening deposit required to open Regular & IRA savings; Minimum $2,500 opening deposit required to open HIFI savings.
You must maintain the minimum balance needed for each tier in order to earn the Annual Percentage Yield (APY) disclosed.
For Loan Rates contact our loan department at 1-800-247-7019 or 229-2234.