COD/Dividends

Certificates of Deposit

Min. Balance	6 Months*	12 Months*	24 Months*	36 Months*	60 Months*
$1,000	0.75%	0.75%	0.85%	0.95%	1.05%
$25,000	0.85%	0.85%	0.95%	1.05%	1.05%
$50,000	0.95%	0.95%	1.05%	1.15%	1.25%
$75,000**	Neg	Neg	Neg	Neg	Neg
$245,000	N/A	***	***	***	***

*All rates shown as Annual Percentage Yield. Early withdrawl penalty.

** Jumbo CD available with a minimum deposit of $75,000.00.

*** Super Jumbo-Negotiable, plus 10 basis points or best rate on the grid plus 10 basis points

Dividend Rates

Savings Accounts
$500-$24,999.99	0.75%
$25,000 and up	1.00%
Kid's Club	1.00%
Christmas Club	1.00%

Checking Accounts
$300-$999.99	0.00%
$1000 and up	0.00%

Baby Boomer Checking
$5,000 and up	0.25%

IRA Accounts
$0.00-$4,999.99	1.00%
$5,000-$24,999.99	1.00%
$25,000-$74,999.99	1.25%
$75,000 and up	1.25%

*Annual Percentage Yield

**See Truth-In-Savings Account Disclosure For More Information