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Deposit Rates
Last Update
As of July 21, 2008
Please inquire about our current rates. Rates subject to change without notice.
Savings Accounts*
Account
Interest Rate
Annual Percentage Yield (APY)
Minimum Deposit to Open
Minimum Daily Collected Balance to Obtain APY
Savings Account
0.40%
0.40%
$50
$0

Money Market Investment Account*
Account Interest Rate Annual Percentage Yield (APY) Minimum Deposit to Open Minimum Daily Collected Balance to Obtain APY
Amounts up to $9,999
0.40% 0.40% $1,000 $0
 $10,000 -
$49,999
0.60% 0.60% $1,000 $10,000
 $50,000 -
$99,999
0.60% 0.60% $1,000 $50,000
 $100,000 -
$149,999
0.75% 0.75% $1,000 $100,000
 $150,000 -
$249,999
0.75% 0.75% $1,000 $150,000
 $250,000 -
$499,999
0.75% 0.75% $1,000 $250,000
 $500,000 -
$999,999
1.00% 1.00% $1,000 $500,000
$1,000,000+
1.00% 1.00% $1,000 $1,000,000

Checking with Interest*
Account
Interest Rate
Annual Percentage Yield (APY)
Minimum Deposit to Open
Minimum Daily Collected Balance to Obtain APY
Premium Checking
0.10% 0.10% $100 $1,000
Patriot Checking
0.10% 0.10% $100 $1,000
Five Star Checking
0.20% 0.20% $100 $1,000

* Fees may reduce earnings on this account.


Certificates of Deposit

Account Interest Rate Annual Percentage Yield (APY) Minimum Deposit to Open Minimum Daily Collected Balance to Obtain APY
30 Days 1.00% 1.00% $1,000 $1,000
60 Days 1.00% 1.00% $1,000 $1,000
90 Days 1.49% 1.50% $1,000 $1,000
120 Days 1.49% 1.50% $1,000 $1,000
180 Days 1.74% 1.75% $1,000 $1,000
One Year 1.74% 1.75% $1,000 $1,000
18 Months 1.84% 1.85% $1,000 $1,000
Two Year 1.99% 2.00% $1,000 $1,000
Three Year 1.99% 2.00% $1,000 $1,000
Four Year 1.99% 2.00% $1,000 $1,000
Five Year 1.99% 2.00% $1,000 $1,000
Terms 1 year or greater - interest is compounded quarterly.

Individual Retirement Accounts/SEPPs
Account Interest Rate Annual Percentage Yield (APY) Minimum Deposit to Open Minimum Daily Collected Balance to Obtain APY
Variable - 18 Months* 1.84% 1.85% $100 $100
Money Market IRA*
0.75%
0.75%
$2,000 $0
Fixed Rate
One Year 1.74% 1.75% $1,000 $1,000
18 Months 1.84% 1.85% $1,000 $1,000
Two Year 1.99% 2.00% $1,000 $1,000
Three Year 1.99% 2.00% $1,000 $1,000
Four Year 1.99% 2.00% $1,000 $1,000
Five Year 1.99% 2.00% $1,000 $1,000
*The rate on these accounts may change after the account is opened.
Substantial interest penalty is required for early withdrawal on all Certificates of Deposit and IRAs.
Deposit rates are expressed as an Annual Percentage Yield (APY) and assume that interest is received at least annually.
Fees or other conditions could reduce the earnings on the accounts. This is not a full disclosure. Disclosures are available upon request.

Jumbo Certificate of Deposit Rates
Account Interest Rate Annual Percentage Yield (APY) Minimum Deposit to Open Minimum Daily Collected Balance to Obtain APY
30 Days 1.00% 1.00% $90,000 $1,000
60 Days 1.00% 1.00% $90,000 $1,000
90 Days 1.49% 1.50% $90,000 $1,000
120 Days 1.49% 1.50% $90,000 $1,000
180 Days 1.74% 1.75% $90,000 $1,000
One Year 1.74% 1.75% $90,000 $1,000
18 Months 1.84% 1.85% $90,000 $1,000
Two Year 1.99% 2.00% $90,000 $1,000
Three Year 1.99% 2.00% $90,000 $1,000
Four Year 1.99% 2.00% $90,000 $1,000
Five Year 1.99% 2.00% $90,000 $1,000
Terms 1 year or greater - interest is compounded quarterly.

Jumbo IRA/SEPP Rates
Account Interest Rate Annual Percentage Yield (APY) Minimum Deposit to Open Minimum Daily Collected Balance to Obtain APY
One Year 1.74% 1.75% $90,000