Rate Schedule		Please Contact Us for Current Rates Last updated 5/01/08
Certificates of Deposit
	Daily Minimum Balance	Interest Rate	APY*
Please Contact Us for Current Rates
Money Market Plus Account
	Daily Minimum Balance	Interest Rate	APY*
Tier I	$1,000.00	0.75%	0.75%
Tier II	$10,000.00	1.00%	1.00%
- The rate may change after account opening.
Checking Accounts
	Daily Minimum Balance	Interest Rate	APY*
Money Manager **	$2,500.00	**	**
NOW Account	$1,000.00	0.25%	0.25%
- The rate may change after account opening.
Savings Accounts
	Daily Minimum Balance	Interest Rate	APY*
Passbook Savings	$50.00 +	0.25%	0.25%
- The rate may change after account opening.
Individual Retirement Accounts
	Daily Minimum Balance	Interest Rate	APY*
IRA Savings	No minimum balance	1.50%	1.51%
- The rate may change after account opening. A penalty may be imposed for early withdrawal.

* APY = Annual Percentage Yield
** Money Manager Account - An interest rate of 2.00% will be paid only for that portion of your daily balance that is greater than $24,999.99. The annual percentage yield will range from 0.25%, for a balance of $25,000.00, to 1.58% for a balance of $100,000. The interest rate for this tier will float at 40% of the wall street journal prime and may change daily. If your balance is $24,999.99 or less, the interest rate paid on the entire balance will be 0.25% with and annual percentage yield of 0.25%.

Rates are subject to change without notice at any time. Fees may reduce earnings on accounts.