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Rates Effective: 02/09/2007

Featured Rate:
5.125%APY
6 Month CD - $50,000.00 and over


Term Minimum Deposit To Open Minimum Balance To Earn APY Interest Rate Annual Percentage Yield Compounding Frequency
6 Months $2,500 $2,500 - $49,999.99 4.79% 4.875% Simple
$50,000.00 and over 5.03% 5.125% Simple
12 Months $500.00 $500.00 - $49,999.99 4.75% 4.84% Quarterly
$50,000.00 and over 5.00% 5.09% Quarterly
18 Months $500.00 $500.00 - $49,999.99 4.25% 4.32% Quarterly
$50,000.00 and over 4.50% 4.58% Quarterly
24 Months $500.00 $500.00 - $49,999.99 4.25% 4.32% Quarterly
$50,000.00 and over 4.50% 4.58% Quarterly
30 Months $500.00 $500.00 - $49,999.99 4.00% 4.06% Quarterly
$50,000.00 and over 4.25% 4.32% Quarterly
36 Months $500.00 $500.00 - $49,999.99 4.00% 4.06% Quarterly
$50,000.00 and over 4.25% 4.32% Quarterly
48 Months $500.00 $500.00 - $49,999.99 4.00% 4.06% Quarterly
$50,000.00 and over 4.25% 4.32% Quarterly
60 Months $500.00 $500.00 - $49,999.99 4.00% 4.06% Quarterly
$50,000.00 and over 4.25% 4.32% Quarterly
9 Months $500.00 $500.00 4.25% 4.32% Quarterly
$50,000.00 4.50% 4.58% Quarterly

Rates effective as of 02/09/07. Fees could reduce earnings. On Certificate and IRA Accounts a penalty may be imposed for early withdrawal.

All Depositors Insured in Full.