Certificate and IRA Rates | Variable Rate Savings Account

Certificate Rates
Interest Compounded Monthly, Posted Monthly
If interest paid monthly - link to savings account
or by check, yield is the same as rate.
Rates Effective July 16, 2008

$10,000 Minimum
Term (Months)	Interest Rate	Annual Percentage Yield
12	3.90%	3.97%
24	4.20%	4.28%
36	4.30%	4.39%
48	4.40%	4.49%
60	4.60%	4.70%

Certificates are subject to a substantial penalty for early
withdrawal, Call for the "Account Terms and Conditions Disclosure"
Rates subject to change without notice.

IRA Rates
Rates Effective July 16, 2008

$1,000 Minimum
Term (Months)	Interest Rate	Annual Percentage Yield
12	3.90%	3.97%
24	4.20%	4.28%
36	4.30%	4.39%
48	4.40%	4.49%
60	4.60%	4.70%

Rates subject to change without notice.

Accounts insured up to $100,000 by FDIC
Total GAAP Net Worth at 03/31/08 - $85,067,000

Total Risk-based Capital at 03/31/08 -         12.23%
Tier 1 Leverage Capital Ratio at 03/31/08 -   11.18%