Effective 08/15/08

 Iif you are purchasing a jumbo certificate (in excess of $50,000.00), you will earn an .25%, above our standard rates. 

Certificates*	Rate	ANNUAL PERCENTAGE YIELD	Term	Minimum Balance**
Share Certificate	2.716%	2.750%	3	$1,000.00
Share Certificate	2.960%	3.000%	6	$1,000.00
Share Certificate	3.203%	3.250%	12	$1,000.00
Share Certificate	3.695%	3.758%	36	$1,000.00

IRA Certificates*	Rate	ANNUAL PERCENTAGE YIELD	Term	Minimum Balance**
IRA Certificate	2.716%	2.750%	3	$1,000.00
IRA Certificate	2.960%	3.000%	6	$1,000.00
IRA Certificate	3.203%	3.250%	12	$1,000.00
IRA Certificate	3.695%	3.758%	36	$1,000.00

An early withdrawal penalty may be assessed for early maturity based on the term. 

**Members, 18 years of age or younger,  can open a Certificate of Deposit with a minimum balance of $250.00.
 They will also earn an additional .01% for each birthday they have reached, with a maximum addition of .17%
above our standard rate.