Interest Bearing Demand Accounts
Deposit Rates Effective
08/07/08
Monthly Average
Minimum to Open
Interest Rate**
APY*
Superior Checking
$1,500.00
$1,500 - $2,499.99
0.20%
0.20%
$2,500.00 or more
0.30%
0.30%
Prime Plus
$2,500.00
$24,999.99 or less
1.01%
1.01%
$25,000.00 - $49,999.99
1.40%
1.41%
$50,000.00 - $74,999.99
1.75%
1.76%
$75,000.00 or more
2.25%
2.27%
Distinctive Checking
$100.00
0.05%
0.05%
Quality Checking
$100.00
0.08%
0.08%
Regular Savings
$100.00
0.60%
0.60%
Dream Big Savings
$50.00
3.05%
3.09%
Business Analysis
Earnings Credit
1.70%
Sweep Account
2.30%
*APY - Annual Percentage Yield
** The rate may change after the account is opened.
Fees could reduce earning on the account.


Time Certificates of Deposit / IRA's***
Deposit Rates Effective
08/07/08
Balance
$500.00 - $24,999.99
APY*
Balance
$25,000.00 +
APY*
3 months
2.20%
2.22%
2.25%
2.27%
6 months
2.44%
2.46%
2.49%
2.51%
9 months
2.50%
2.52%
2.55%
2.57%
12 months
2.56%
2.58%
2.61%
2.64%
15 month SPECIAL
3.15%
3.19%
3.15%
3.19%
18 months
2.78%
2.81%
2.83%
2.86%
24 months
2.99%
3.02%
3.04%
3.07%
25 months SPECIAL
3.44%
3.48%
3.44%
3.48%
30 months
3.18%
3.22%
3.23%
3.27%
3 years
3.37%
3.41%
3.42%
3.46%
4 years
3.62%
3.67%
3.67%
3.72%
5 years
3.87%
3.93%
3.92%
3.98%
IRA Variable**
tied to savings
0.60%
0.60%
*APY - Annual Percentage Yield
** The rate may change after the account is opened.
***Penalty for early withdrawal.
Fees could reduce earning on the account.