Interest Rates current as of July 2, 2008
(Interest Rates Subject to Change Without Notice)

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Personal Checking/Savings Accounts

Personal Checking/Savings Accounts Minimize Account Type   Minimum Balance   Interest Rate   APY*   Hometown Checking   $500   .25%   .25%   Hometown Checking Plus   None   .25%   .25%   Interest Checking & Adv 50 Club   Below $2500   .25%   .25%   Interest Checking & Adv 50 Club   $2500   .30%   .30%   Interest Checking & Adv 50 Club   $25000   .40%   .40%   Interest Checking & Adv 50 Club   $100,000   .50%   .50%   Statement Savings   $100   .30%   .30%   Christmas Club   $10   .30%   .30%   Prestige Money Market Savings   $10,000   .55%   .55%   Prestige Money Market Savings   $25,000   .80%   .80%   Prestige Money Market Savings   $50,000   1.24%   1.25%   Prestige Money Market Savings   $100,000   1.39%   1.40%   Sunny Savers   $1   .30%   .30%   * APY = Annual Percentage Yield Fees could reduce earnings

CDs & IRAs

CDs & IRAs Minimize Time Certificate Term   Interest Rate   APY*   Min. Opening Deposit**   6 Month CD/IRA   1.79%   1.80%   $500/$1000   9 Month CD/IRA   1.79%   1.80%   $500/$1000   12 Month CD/IRA   1.88%   1.90%   $500/$1000   Adv 50 Club 12 Month   1.98%   2.00%   $2,500   24 Month CD/IRA   1.98%   2.00%   $500/$1,000   Adv 50 Club 24 Month   2.08%   2.10%   $2,500   30 Month CD   1.98%   2.00%   $500/$1,000   36 Month CD/IRA   1.98%   2.00%   $500/$1000   Adv 50 Club 36 Month   2.08%   2.10%   $2500   48 Month CD/IRA   2.57%   2.60%   $500/$1000   60 Month CD/IRA   2.81%   2.85%   $500/$1000   *APY = Annual Percentage Yield ** Minimum Opening Deposit of $1000 for monthly compounding Adv 50 Club time certificate minimum is $2,500