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Current Rates

SAVINGS RATES

Current Rates are Subject to Change
Rates as of August 18, 2008

Account NameInterest RateAnnual Percentage YieldMinimum Deposit To Open
Savings
.75%
.75%
$20.00
Christmas Clubs
.75%
.75%
$20.00
Now Checking
.25%
.25%
$20.00

Certificates of Deposit

Current Rates are Subject to Change

Account Name Minimum Deposit Interest Rate APY*
30-80 Day CD**
$500
.75%
.75%
81-130 Day CD**
$500
.75%
.75%
131-181 Day CD**
$500
.75%
.75%
6 Month CD
$500
2.23%
2.25%
9 Month CD
$500
3.68%
3.75%
12 Month
$500
2.47%
2.50%
18 Month
$500
2.71%
2.75%
24 Month CD
$500
2.71%
2.75%
30 Month
$500
2.71%
2.75%
38-50 Month Principal Plus CD***
$500
4.40%
4.50%
51-64 Month Principal Plus CD***
$500
4.40%
4.50%
12 Month Traditional IRA
$100
3.92%
4.00%
12 Month Roth IRA
$100
3.92%
4.00%

* APY means Annual Percentage Yield.Rates are subject to change without notice.Rates are fixed for the term of the CDs.There is a substantial penalty for early withdrawal of principal.You must maintain the minimum deposit amount in the account each day to earn the disclosed APY.

** The original term on the short term CDs can be selected by you between the range listed and you will be paid the corresponding rate. After the first term, the account will automatically renew for 90 days and will earn the 90-day CD rate.Interest is paid only at maturity.

*** Deposits in a minimum amount of $100.00 may be added to these accounts without extending the maturity.There is a one time per term option to request a rate change without extending the maturity.

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LOAN RATES

Single FamilyVacation Homes-Owner Occupied
"Current Rates are Subject to Change"
(Annual Percentage Rate calculated on loan amount of $100,000)

15 Year Fixed Rate
Rate APR Points
6.000 6.0391
0
5.750 5.9456
1
5.500 5.8522
2
5.250 5.7588
3
20 Year Fixed Rate
Rate APR Points
6.500 6.5317
0
6.250 6.4082
1
6.000 6.2842
2
5.750 6.1596
3
30 Year Fixed Rate
Rate APR Points
6.625 6.6493
0
6.375 6.4954
1
6.125 6.3402
2
5.875 6.1837
3
40 Year Fixed Rate
Rate APR Points
7.000 7.0322
0
6.750 6.8666
1
6.500 6.6991
2
6.250 6.5297
3


1 Year ARM Rates - 15 Year
Rate APR Points Caps Margin
4.250 4.4822
0
2/6 2.250
4.000 4.3639
1
2/6 2.000

1 Year ARM Rates - 30 Year
Rate APR Points Caps Margin
4.500 4.7395
0
2/6 2.500
4.250 4.5651
1
2/6 2.250

1 Year ARM Rates - 40 Year
Rate APR Points Caps Margin
4.750 4.9911
0
2/6 2.750
4.500 4.8044
1
2/6 2.500

3 Year ARM Rates - 15 Year
Rate APR Points Caps Margin
4.500 4.9732
0
2.5/6 2.500
4.250 4.8570
1
2.5/6 2.250

3 Year ARM Rates - 30 Year
Rate APR Points Caps Margin
4.750 5.3289
0
2.5/6 2.750
4.500 5.1582
1
2.5/6 2.500

3 Year ARM Rates - 40 Year
Rate APR Points Caps Margin
5.000 5.6030
0
2.5/6 3.000
4.750 5.4210
1
2.5/6 2.750

5 Year ARM Rates - 15 Year
Rate APR Points Caps Margin
4.750 5.1741
0
3/6 2.500
4.500 5.0587
1
3/6 2.250

5 Year ARM Rates - 30 Year
Rate APR Points Caps Margin
5.000 5.6283
0
3/6 2.750
4.750 5.4601
1
3/6 2.500

5 Year ARM Rates - 40 Year
Rate APR Points Caps Margin
5.250 6.0450
0
3/6 3.000
5.000 5.7481
1
3/6 2.750

Home Equity Line of Credit
Year Type Minimum Maximum Closing Costs Rate APR
7 Yr. Fixed $5,000 $100,000 Maximum $325.00 6.000 6.000
15 Yr. Adjustable $5,000 $100,000 Maximum $125.00 5.000 5.000

*APY refers to Annual Percentage Yield based on simple interest.
*APR refers to Annual Percentage Rate based on simple interest.