Interest Checking/Now

 

Product

 

Min. Balance to Open

 

Interest Rate

 

APY*

 

Now Account

 

$200

 

0.10

 

0.10

 

Money Market - Personal

 

$2,500

 

0.45

 

0.45

 

Consumer Savings

Product

 

Min. Balance to Open

 

Interest Rate

 

APY*

 

Regular Savings

 

$200

 

0.40

 

0.40

 

Minor Savings

 

$25

 

0.40

 

0.40

 

Christmas Club Savings

 

$0

 

0.0000

 

0.00

 

Commercial Savings

 

Product

 

Min. Balance to Open

 

Interest Rate

 

APY*

 

Business Savings

 

$200

 

0.40

 

0.40

 

Time Deposits

 

Product

 

Min. Balance to Open

 

Interest Rate

 

APY*

 

Six (6)

Months

 

$1,000

 

4.600%

 

4.65%

 

Twelve (12)

Months

 

$1,000

5.100%

 

5.10%

 

Eighteen (18)

Months

 

$1,000

 

5.150%

 

5.15%

 

Twenty-Four (24) Months

 

$1,000

 

5.200%

 

5.20%

 

Thirty (30)

Months

 

$1,000

 

5.250%

 

5.25%

Thirty-Six (36) Months

 

$1,000

 

5.250%

 

5.25%

 

Forty-Eight (48) Months

 

$1,000

 

5.250%

 

5.25%

Sixty (60)

Months

$1,000

5.250%

5.25%

 

*APY = Annual Percentage Yield

Rates are effective as of October 27th, 2006 (Subject to change without notice). Fees could reduce earnings.

For information on variable rate products or any other products not listed, please contact us.