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Effective:
July 22, 2008
Certificates of Deposit Interest Rates
Term Rate APY***
14 days under 100M 0.90% 0.900%
30 days under 100M 1.00% 1.000%
90 days under 100M 1.60% 1.610%
180 days under 100M 1.75% 1.760%
1-2 years under 100M 2.00% 2.020%
2-3 years under 100M 2.20% 2.220%
14 days over 100M 1.15% 1.160%
30 days over 100M 1.25% 1.260%
90 days over 100M 1.75% 1.780%
180 days over 100M 2.00% 2.020%
1-2 years over 100M 2.25% 2.280%
2-3 years over 100M 2.50% 2.560%
Minimum $1000.00 to open    

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Effective:
July 22, 2008
Deposit Interest Rates
Amount Rate APY***
Money Market Checking
  $1 - $2,499.99 0.75% 0.75%
$2,500 + 1.00% 1.00%
     
Commercial Money Management
  $1 - $4,999.99 0.75% 0.75%
$5,000 + 1.00% 1.00%
     
Super Checking
  $1 - $999.99 0% 0%
$1,000 + 0.75% 0.75%
     
Personal Bonus
  $1 - $4,999.99 0.75% 0.75%
$5,000 + 1.00% 1.00%
     
Personal Savings
  $1 + 0.75% 0.75%
     
Commercial Savings
  $1 + 0.75% 0.75%
     
Treasury Money Market
  $1 - $4,999.99 0.75% 0.75%
$5,000 - $49,999.99 0.85% 0.85%
$50,000 - $99,999.99 0.95% 0.95%
$100,000.00 + 1.520% 1.530%
     

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Effective:
July 22, 2008
Loan Interest Rates
Term APR**
Automobile Loans
Current Model Year (2008/2007)
  36 months 6.25%
  42 months 6.25%
  48 months 6.25%
  60 or 72 months 6.25%
 
Used
1st Model Year (2006) 54 months 6.49%
2nd Model Year (2005) 48 months 6.75%
3rd Model Year (2004) 42 months 6.99%
4th Model Year (2003) 36 months 7.25%
5th Model Year (2002) 30 months 7.49%
 
Personal Loans
  Up to 12 Months 14.00%
  Over 12 Months 16.00%
 
Boats & Campers
New Up to 60 Months 7.75%
Used Up to 60 Months 8.25%
 
Home Equity
  Up to 60 Months 6.99%
  61-120 Months 7.99%
 
Home Improvement
  36 months 6.49%
  48 months 6.49%
  60 months 6.49%
  120 months 7.99%
 
**APR = Annual Percentage Rate
*** APY = Annual Percentage Yield

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For information on SBA Loans, call 281-208-2111.