Rates: IRAs

Interest Rates and Annual Percentage Yields are current as of July 1, 2008 through July 7, 2008

Product Name

Minimum
Opening Deposit

Interest Rate

APY*

IRA CD - 18 Month Variable

$100.00

up to $9,999.99

3.20%

3.25%

$10,000.00-50,000.00

3.25%

3.30%

$50,000.01 and up

3.35%

3.40%

IRA CD - 30 Month

$500.00

up to $9,999.99

3.55%

3.58%

$10,000.00-50,000.00

3.60%

3.63%

$50,000.01 and up

3.70%

3.73%

IRA CD - 60 Month

$500.00

up to $9,999.99

3.70%

3.73%

$10,000.00-50,000.00

3.75%

3.79%

$50,000.01 and up

3.85%

3.89%

*The Annual Percentage yield for all IRA's with a term of one year or longer is calculated assuming annual compounding.  **A penalty may be imposed for early withdrawal.