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				Account Type Product Min. Opening Int. Rate APY Interest Checking NOW Account 200.00 0.10 0.10 Interest Checking Money Market 2,500.00 0.45 0.45 Interest Checking T-Bill Money Market 50,000.00 1.01 1.01 Savings Regular Savings 200.00 0.40 0.40 Savings Minor Savings 25.00 0.40 0.40 Savings Christmas Club Savings 0.00 0.00 0.00 Savings Business Savings 200.00 0.40 0.40 Time Deposits Six (6) Months 1,000.00 1.40 1.40 Time Deposits Twelve (12) Months 1,000.00 2.30 2.30 Time Deposits Eighteen (18) Months 1,000.00 2.35 2.36 Time Deposits Twenty-Four (24) Months 1,000.00 2.60 2.60 Time Deposits Thirty (30) Months 1,000.00 2.80 2.82 Time Deposits Thirty-Six (36) Months 1,000.00 3.00 3.02 Time Deposits Forty-Eight (48) Months 1,000.00 3.25 3.25 Time Deposits Sixty (60) Months 1,000.00 4.00 4.00 *APY = Annual Percentage Yield Rates are effective as of December 26, 2008(subject to change without notice). Fees could reduce earnings. For information on variable rate products or any other products not listed, please contact us. new note area
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