Current Rates

Rates Effective as of 05/01/2008

Fixed Rate Mortgage Program	Term	Rate	APR*	Points
Primary Residence(95% LTV)	15 Year 20 Year 30 Year 40 Year	5.750% 6.000% 6.250% 6.625%	5.98% 6.18% 6.39% 6.75%	1 1 1 1

Adjustable Rate Mortgage	Term	Rate	APR	Points
Primary Residence (Fixed for 1 year) (Fixed for 3 years) (Fixed for 5 years)	30 Year 30 Year 30 Year	6.50% 7.99% 8.99%	6.64% 7.14% 9.15%	1 1 1
Primary Residence (Fixed for 1 year) (Fixed for 3 years) (Fixed for 5 years)	40 Year 40 Year 40 Year	6.50% 7.99% 8.99%	6.62% 7.12% 9.14%	1 1 1
Rental Property - Call For Rates	-	-	-	-
Commercial - Call For Rates	-	-	-	-
Vacant Land (75% LTV) (Fixed for 1 year) (Fixed for 3 years) (Fixed for 5 years)	10 Year 10 Year 10 Year	6.50% 7.99% 8.99%	6.64% 7.14% 9.15%	1 1 1

Rates Effective as of 05/01/2008

Type	Term	Rate	APR
Home Equity Loan (fixed for 5 years) (fixed for 10 years) (fixed for 15 years)	5 Year 10 Year 15 Year	9.99% 10.79% 10.99%	9.99% 10.79% 10.99%
Adjustable Rate Home Equity Loan (3 Year Adjustable) (5 Year Adjustable)	15 Year 15 Year	8.99% 10.99%	8.99% 10.99%
Adjustable Rate Home Equity Line of Credit	10 Year	6.250%	6.250%

Rates Effective as of 4/30/2008

Wall Street Journal Prime Rate: The Base Rate on Corporate Loans Posted by at least 75% of the Nations 30 Largest Banks. Most Commercial Loans are based on WSJ Prime Rate plus an incremental interest percentage based upon credit decision.

5.00%

Rates Effective as of 05/01/2008

Automobile	Term	Rate	APR
New (80% LTV)	36 months 48 months 60 months	9.25% 9.50% 10.00%	9.25% 9.50% 10.00%
Used Black Book Loan Value Black Book Loan Value Black Book Loan Value	1-2 years old 3-4 years old 5 years old	12.00% 13.00% 13.50%	12.00% 13.00% 13.50%

Rates Effective as of 05/01/2008

Description	Interest	APY**
91 Day CD2,6	.85%	.85%
6-month CD2,6	2.55%	2.58%
9-month CD2,6	2.71%	2.74%
1-year CD2,6	2.71%	2.74%
1-year Access CD4	1.00%	1.01%
1 1/2-year CD2,6	2.71%	2.74%
2-year CD2,6	2.71%	2.74%
2 1/2-year CD2,6	2.71%	2.74%
5-year CD2,6	3.25%	3.29%
Treasury Saver 14 Month1, 2,6	2.05%	2.07%
IRA(18-month term/$100 min.)2,6	2.71%	2.74%
IRA(60-month term/$100 min.)2,6	3.25%	3.29%
Passbook Savings3	.75%	.75%
Statement Savings4	.75%	.75%
Holiday Savings Account5,6	1.75%	1.75%
NOW Checking4,6	0.35%	0.35%
NOW High Yield Checking4,6	2.96%	3.00%
*NEW* Silver & Gold Checking4,6	1.00%	1.01%
Money Market 4,6 Under $2,500 $2,500 and over	0.35% 0.75%	0.35% 0.75%
Jumbo Money Market4,6 Under $2,500 $2,500 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 - $249,999.99 Over $250,000.00	0.35% 1.00% 1.25% 1.75% 2.50%	0.35% 1.00% 1.25% 1.75% 2.50%

RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE ON ALL DEPOSIT TYPES

*APR refers to Annual Percentage Rate based on simple interest.
**APY refers to Annual Percentage Yield based on simple interest.
¹ - Rate Changes first of each month. The account will pay interest based on the 6 month Treasury Bill as of the last auction day of the month plus a margin of 35 basis points. The yield quoted at the first on every month will remain for the remainder of that month.
² - Interest will be compounded daily and will be credited monthly. A penalty may be imposed for withdrawals before maturity. Interest can be withdrawn any time during the term of crediting after it is credited to the account.
³ - Interest will be compounded daily and will be credited quarterly. Interest can be withdrawn any time during the term of crediting after it is credited to the account.
⁴ - Interest will be compounded daily and will be credited monthly. Interest can be withdrawn any time during the term of crediting after it is credited to the account.
⁵ - Interest will be compounded and credited annually. Interest can be withdrawn any time during the term of crediting after it is credited to the account.
⁶ - Fees could reduce earning on account.