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Deposit Rates
 Account Minimum To Open Minimum Daily Balance Rate APY** Minimum To Avoid Fee
Passbook Savings $25 $25 0.499% 0.50% $250
Statement Savings $100 $25 0.550% 0.55% $250
Premium Statement Savings $100 $25 0.600% 0.60% Combined $5,000
Money Market - Passbook $2,500 $2,500 0.600% 0.60% N/A
Money Market - Checking $2,500 $2,500 0.650% 0.65% N/A
Money Market - Premium Yield Passbook $50,000 $50,000 N/A 2.50% N/A
Money Market - Premium Yield Checking $50,000 $50,000 N/A 2.50% N/A
Christmas Club
$1 $25 0.499% 0.50% $25
NOW Checking $100 $25 0.198% 0.20% $500
Free Checking $10 N/A N/A N/A N/A
Commercial Checking $100 N/A N/A N/A Varies
Premium Checking Combined Balance Of $5000 $25 0.299% 0.30% $5,000
Rates As Of May 9, 2007
The interest rate and APY on: Passbook Savings, Statement Savings, Money Market Passbook, Money Market Checking, Premium Yield Money Market Passbook, Premium Yield Money Market Checking, Christmas Club, NOW Checking, Premium Checking and Premium Statement Savings may be changed after the account is opened without notice.

Computation of the Annual Percentage Yield (APY) assumes that the variable interest rate will stay the same for one full year (12 months).

The Premium Yield Money Market Passbook and the Premium Yield Money Market Checking earn simple interest.

Fees could reduce the earnings on all accounts listed above.

The Christmas Club year begins November 1st and ends October 30th.

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