CERTIFICATES Effective: 5/12/2008
TYPE	TERM	APR	APY*	CALCULATOR
Certificates of Deposit
	6 Month	2.620%	2.65%
	12 Month	2.769%	2.80%
	18 Month	2.769%	2.80%
	24 Month	2.769%	2.80%
	36 Month	3.200%	3.25%
	48 Month	3.441%	3.50%
	60 Month	3.690%	3.75%
IRA Certificates**	12 Month	2.769%	2.80%
	18 Month	2.769%	2.80%
	24 Month	2.769%	2.80%
	36 Month	3.200%	3.25%
	48 Month	3.441%	3.50%
	60 Month	3.690%	3.75%

APR=Annual Percentage Rate *APY=Annual Percentage Yield $500.00 minimum balance is required.  Early withdrawal penalty will apply. **IRA Certificates are not available in 3 or 6 month terms Rates are subject to change at any time, without notice.