Rates

Individual Retirement Accounts*
Rates effective through 05.12.2008

Term** Interest Rate^ Annual Percentage Yield^^
7 Day  0.40%  0.40% 
3 Month  1.24%  1.25% 
6 Month  2.37%  2.40% 
1 Year  2.23%  2.25% 
15 Month  2.23%  2.25% 
18 Month  2.23%  2.25% 
2 Year  2.47%  2.50% 
30 Month  2.72%  2.75% 
3 Year  2.72%  2.75% 
4 Year  2.96%  3.00% 
5 Year  2.96%  3.00% 
2 Year Variablet  0.93%  0.93% 
IRA Savings  0.40%  0.40% 

*$500 Minimum to Open. To receive a monthly Interest Check, the Certificate of Deposit must have a minimum balance of $25,000; to receive a quarterly interest Check, the Certificate of Deposit must have a minimum balance of $10,000. Accounts with RMD do not apply.

**A penalty may be imposed if there is an early withdrawal from the account. Not applicable to IRA Savings Accounts.

^Rate subject to change

^^Assumes that interest will remain on deposit until maturity

tApplies to accounts opened or renewed after January 1, 2007