Updated at 12:00PM Rates effective as of  July 21, 2008
Rates subject to change without notice.

Deposit Rates

  Annual Percentage Yield Simple Interest Rate Min. Balance to earn posted rate # of Days



Regular Savings Accounts....

Traditional Savings (Passbook) 1.254% 1.250% $5.00 366
Value Savings Statement 1.254% 1.250% $5.00 366



First Time Savers Club
....

$0 to $1,000.00 (Passbook) 5.000% 5.000% less
than $1,000.00

$1,000.00 366
Over $1,000.00 (Passbook)

1.625% 1.625% more
than $1,000.00
$1,000.00 366



Money Market Savings Accounts...

Traditional PLUS (Passbook) * 1.634% 1.625% $1,000.00 366
Value PLUS (Statement) * 1.634% 1.625% $1,000.00 366
Money Market Passbook & Statement Account * 1.254% 1.250% less
than $1,000.00

$5.00

366

*Does not earn interest if balance falls below $1000



Certificates of Deposit

Three Month Certificate 1.761% 1.750% $1,000.00 366
Six Month Certificate 2.780% 2.750% $1,000.00 366
Nine Month Certificate 2.883% 2.850% $1,000.00 366
One Year Certificate 3.000% 2.964% $1,000.00 366
Thirteen Month Certificate 3.000% 2.964% $1,000.00 366
Fifteen Month Certificate 3.088% 3.050% $1,000.00 366
Eighteen Month Certificate 3.500% 3.450% $1,000.00 366
Twenty-one Month Certificate Advantage Rate CD 3.500% 3.450% $1,000.00 366
Two Year Certificate 3.500% 3.450% $1,000.00 366
2 1/2 Year Certificate 3.150% 3.110% $1,000.00 366
Three Year Certificate 3.150% 3.110% $1,000.00 366
Four Year Certificate 4.000% 3.933% $1,000.00 366
Five Year Certificate 4.250% 4.174% $1,000.00 366
2 1/2 Year Variable Rate IRA CD 3.150% 3.110% $100.00 366
All Certificates of Deposits are available for I.R.A.s



Checking Accounts

Hometown Checking N/A N/A N/A 366
Advantage NOW Checking 0.250% 0.250% $250.00 366
Advantage 50 Checking 0.250% 0.250% $5.00 366
Advantage PLUS Checking* 1.381% 1.375% $2,500.00 366
Advantage PLUS Checking* 0.250% 0.250% less than 2,500 to 1,000 $1,000.00 366
Commercial Checking- Earnings Credit N/A 0.500% N/A 366
* Does not earn interest if balance falls below $1000
Interest is compounded daily from the day of deposit to the day of withdrawal and is credited monthly. To realize the effective annual yield, principal and interest must remain on deposit for a full year at the original rate.
A substantial interest penalty is required for early withdrawals from certificates of deposit. The rate may change on regular savings and money market accounts after they are opened. Fees may reduce earnings on some accounts.


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