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Rates


Effective Date: January 22, 2009


DEPOSIT ACCOUNTS:  RATE  APY* 
Personal Savings Accounts  .50%  .50% 
Student/Minor Savings Accounts  .50%  .50% 
Super NOW Checking Accounts     
$1,500 - $2,499  .17%  .17% 
$2,500 and over  .42%  .42% 
Money Market Account  .50%  .50% 
Elite Checking Account  .42%  .42% 


CERTIFICATES OF DEPOSIT
1 Month  .50%  .50% 
3 Months  .75%  .75% 
6 Months  1.00%  1.00% 
1 Year  1.25%  1.26% 
2 Years  1.50%  1.51% 
3 Years  2.40%  2.43% 

INDIVIDUAL RETIREMENT ACCOUNTS
IRA 18 Month  1.50%  1.51% 
Prime Rate  3.25%   
     
*APY = Annual Percentage Yield 
   
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