Deposit Interest Rates // Effective Date: July 22, 2008

INVESTMENT PRODUCT
INTEREST
RATE

ANNUAL PERCENTAGE
YIELD (APY)
FREQUENCY
OF COMPOUNDING
MINIMUM REQUIRED BALANCE
CERTIFICATES OF DEPOSIT
91 Day
1.49%
1.50%
At Maturity
$2,500
182 Day
1.74%
1.75%
At Maturity
$2,500
9 Month
1.99%
2.00%
Quarterly
$500
12 Month
2.09%
2.10%
Semi-annual
$500
15 Month
2.18%

2.20%
Quarterly
$500
18 Month
2.19%
2.20%
Semi-Annual
$500
24 Month
2.24%
2.25%
Semi-Annual
$500
30 Month
2.29%

2.30%
Semi-Annual
$500
36 Month
2.73%
2.75%
Semi-Annual
$500
60 Month
3.23%
3.25%
Semi-Annual
$500
DREAM CDs
12 Month
2.09%
2.10%
Semi-Annual
$50
18 Month
2.19%
2.20%
Semi-Annual
$50
48 Month
2.98%

3.00%
Semi-Annual
$50
PEACE OF MIND
24 Month
2.24%
2.25%
Semi-Annual
$500
IRA/ROTH/CESA CDs
182 Day
2.98%
3.00%
At Maturity
$50
18 Month
3.62%
3.65%
Semi-Annual
$50
18 Month Variable*
3.62%
3.65%
Semi-Annual
$50
24 Month
3.81%
3.85%
Semi-Annual
$50
48 Month
3.96%
4.00%
Semi-Annual
$50
60 Month
4.06%
4.10%
Semi-Annual
$50
SAVINGS ACCOUNTS
R. Banking Friends *
0.65%
0.65%
Quarterly
$5
Christmas Club
Automatic Transfer
1.25%
1.25%
Annually
$5
Non-Automatic Transfer
1.00%
1.00%
Annually
$5
Statement Savings *
0.65%
0.65%
Monthly
$100
Passbook Savings *
0.20%
0.20%
Quarterly
$100
Money Market *
$1,000
$1,000 - $14,999.99
0.75%
0.75%
Monthly
$15,000 - $29,999.99
0.80%
0.80%
Monthly
$30,000 - $59,999.99
0.85%
0.85%
Monthly
$60,000 - PLUS
1.00%
1.00%
Monthly
Money Market Max *
$10,000
$10,000 - $99,999.99
1.24%

1.25%
Monthly
  
$100,000 - $499,999.99
1.74%
1.75%
Monthly
  
$500,000 - $999,999.99
1.98%
2.00%
Monthly
  
$1,000,000 - PLUS
2.23%
2.25%
Monthly
  
CHECKING ACCOUNTS
Capital & Advantage Plus *
$500
$500 - $2,499.99
0.35%
0.35%
Monthly

$2,500 - $4,999.99
0.40%
0.40%
Monthly
$5,000 - PLUS
0.45%
0.45%
Monthly
Advantage Classic & VIP *
$1,000
$1,000 - $2,499.99
0.35%
0.35%
Monthly
$2,500 - $4,999.99
 0.40%
 0.40%
Monthly
 

$5,000 - $9,999.99
0.45%
0.45%
Monthly
 

$10,000 - PLUS
0.50%
0.50%
Monthly
 
Health Savings Account*
2.96%
3.00%
Monthly
$50

*The interest rate and annual percentage yield may change after the account is opened. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Early withdrawals may be subject to penalties. Penalties will be 1 month, 3 months, 6 months, 12 months, or 18 months interest on the amount withdrawn depending on the term of the CD. Certificates of Deposit will automatically renew at maturity. Fees could reduce earnings. Deposits insured by the FDIC.