Savings
Programs
| Certificate of Deposit**
|
| Term |
A.P.Y. |
|
| 12 months |
4.20% |
$10,000 Minimum balance |
| 24 months |
4.05% |
Contact us for other rates and terms. |
| Current as of 1/1/08 |
Rates subject to change without notice. |
|
| Other rates and terms available. |
|
|
|
|
|
| Market Index Certificate
|
|
$1,000 minimum |
|
| MARKET RATES |
24 months |
Rate based on change in the Standard & Poor 500 |
|
|
No early redemption. |
*Variable rate may change
after account is opened. Fees or other conditions may reduce
earnings.
**If funds are withdrawn, a lower rate may reduce earnings. Penalty may be
imposed for early withdrawal.
