Effective date of rate changes: September 3, 2008

Savings Account

---

Savings Product Name	Annual Percentage Yield	Interest Rate
Savings Account*	3.00%	2.96%
*Variable rate accounts. Rate can change after account is open.

Certificate of Deposit
Certificate of Deposit rates apply to Personal, Business and IRA CD's. (1, 2)

---

Certificate Product Name	Annual Percentage Yield	Interest Rate
3 month Certificate of Deposit	4.00%	3.92%
6 month Certificate of Deposit	4.00%	3.92%
1 year Certificate of Deposit	4.50%	4.40%
18 month Certificate of Deposit	4.50%	4.40%
2 year Certificate of Deposit	4.50%	4.40%
3 year Certificate of Deposit	5.00%	4.88%
4 year Certificate of Deposit	5.00%	4.88%
5 year Certificate of Deposit	5.00%	4.88%
1. Early withdrawal penalty may be imposed. 2. Minimum opening deposit of $2,500

Tiered Rates

---

Product Type	Deposit Amount Tiers	Annual Percentage Yield	Interest Rate
Money Market Account*	0-$2,499.99	3.00%	2.96%
	$2,500 and up	3.50%	3.44%
Personal Checking w/interest*	0-$2,499.99	0.00%	0.00%
	$2,500 and up	3.00%	2.96%
*Variable rate accounts. Rate can change after account is open. Rates are subject to change without notice. Fees may reduce earnings.