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CD Rates

Term	Minimum	Interest Rate	Annual Percentage Yield	Effective Date
18 Month IRA	$500.00	3.00%	3.03%	4/15/2008
60 Months	$500.00	2.80%	2.83%	4/15/2008
48 Months	$500.00	2.50%	2.52%	4/15/2008
36 Months	$500.00	2.35%	2.37%	4/15/2008
24 Months	$500.00	2.15%	2.16%	4/15/2008
12 Months	$500.00	1.95%	1.96%	4/15/2008
6 Months	$500.00	1.75%	1.76%	4/15/2008
3 Months	$500.00	1.75%	1.76%	4/15/2008

• Interest is compounded quarterly.
• The Annual Percentage Yields (APY) and Interest Rates shown are offered on accounts accepted by the Bank and effective for the dates shown above, unless otherwise noted. Rates are subject to change without notice.
• Interest rate vs. APY: The APY (Annual Percentage Yield) is a percentage rate that reflects the total amount of interest paid on the account, based on the interest rate and the frequency of compounding for a 365-day period. If you receive a periodic statement, that statement will include the APY earned on your account for the period covered by the statement.
• A penalty will or may be imposed for early withdrawal.
• Minimum balance to earn interest.

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