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TERM Nominal Rate APY Minimum Balance
3 Months (1) 3.00% 3.04% $500.00
6 Months (1) 3.25% 3.30% $500.00
12 Months (1) 3.40%

3.46%

 $500.00
18 Months (1) 3.40% 3.46% $500.00
24 Months (1) 3.50% 3.56% $500.00
36 Months (1) 3.75% 3.82% $500.00
48 Months (1) 3.90% 3.98% $500.00
60 Months (1) 4.00% 4.08% $500.00
JUMBO 1-4 Months (2) 3.75% 3.83% $50,000.00
JUMBO 6-12 Months (2) 4.15% 4.24% $50,000.00

All certificate dividends are compounded daily, and the dividends are credited monthly. Rates are subject to change without notice. Early withdrawals are permitted subject to a penalty which may reduce the principal.
(1) 25,000 and over .25% basis points
(2) 100,000 and over .25% basis points








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2007 Annual Report