Annual Percentage Yield is Accurate as of 04/07/2008

A Penalty May Be Applied On Funds Withdrawn Prior to the Maturity Date.  If an early withdrawal penalty is applied, your earnings will be reduced.

"Interest Rate" means the annual percentage rate of interest paid which does not reflect compounding.

"APY" (Annual Percentage Yield) means a percentage rate reflecting the total amount of interest paid on an account based on the interest rate and the frequency of compounding for a 365 day period.

CD / IRA Rates
Effective 04/07/2008
	Regular		Senior (60+)
TERM	Interest Rate	APY	Interest Rate	APY
Less 91 day	2.00		2.00
91 day	2.15	2.17	2.15	2.17
182 day	2.50	2.52	2.50	2.52
12 mo.	2.75	2.75	2.75	2.75
24 mo.	3.00	3.00	3.00	3.00
36 mo.	3.25	3.25	3.25	3.25
IRA & SEP
TERM	Interest Rate	APY
6 mo.	2.40	2.42
18 mo.	2.95	2.98
36 mo.	3.00	3.03
$100,000+ IRA	2.75	2.78 (6 mo.)
(Yield Depends on Term) Jumbo $100,000+
TERM	Interest Rate	APY
6 mo.	2.75	2.77 (6mo)
12 mo.	3.00	3.00 (12 mo)
Specials
TERM	Interest Rate	APY
16 mo.	2.75	2.76
19 mo.	2.95	2.96
28 mo.	3.00	3.00