Checking and Saving Deposit Rates

Rates accurate as of July 7, 2008


Checking	Minimum to Open	APY*
Preferred Choice Checking	$25.00
Balances $50,000 and over	-	0.50%
Balances between $20,000 - $49,999	-	0.35%
Balances between $0 - $19,999	-	0.25%
Business NOW	$100.00	0.10%
Free Non-Profit BusinessPlus	$100.00	0.10%
Gold Wave Checking	$25.00	0.10%
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Savings	Minimum to open	APY*
Statement Savings	$25.00	0.35%
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Club Account	Minimum to open	APY*
Transfer	$2.00	0.25%
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Certificate of Deposit Specials	Minimum to open	APY*
5 Month	$1,000.00	2.75%
5 Month with Checking Account	$1,000.00	3.25%
11 Month	$1,000.00	2.80%
11 Month with Checking Account	$1,000.00	3.30%
5 Year	$1,000.00	4.10%
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Certificates of Deposit	Minimum to open	APY*
30 - 59 Days	$500.00	1.25%
60 - 89 Days	$500.00	1.35%
90 - 180 Days	$500.00	1.50%
6 - 11 Months	$500.00	2.50%
12 - 17 Months	$500.00	2.75%
18 - 23 Months	$500.00	2.60%
24 - 29 Months	$500.00	2.75%
30 - 35 Months	$500.00	2.75%
36 - 47 Months	$500.00	3.00%
48 - 59 Months	$500.00	3.30%
60 Months and Over	$500.00	3.50%
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Health Savings Account		APY*
Balances $25,000 and over		3.00%
Balances between $10,000 - $24,999		2.50%
Balances between $0 - $9,999		2.00%
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Preferred Choice Certificates of Deposit	Minimum to open	APY*
30 - 59 Days	$500.00	1.50%
60 - 89 Days	$500.00	1.60%
90 - 180 Days	$500.00	1.75%
6 - 11 Months	$500.00	2.76%
12 - 17 Months	$500.00	3.01%
18 - 23 Months	$500.00	2.85%
24 - 29 Months	$500.00	3.00%
30 - 35 Months	$500.00	3.00%
36 - 47 Months	$500.00	3.25%
48 - 59 Months	$500.00	3.55%
60 Months and Over	$500.00	3.75%
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Individual Retirement Accounts	Minimum to open	APY*
16 Month Special	$100.00	2.80%
16 Month Special with Checking Account	$100.00	3.30%
5 Year Special with Checking Account	$100.00	4.10%
12 - 17 Months	$100.00	2.75%
18 - 23 Months	$100.00	2.60%
24 - 29 Months	$100.00	2.75%
30 - 35 Months	$100.00	2.75%
36 - 47 Months	$100.00	3.00%
48 - 59 Months	$100.00	3.30%
60 Months and Over	$100.00	3.50%
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Investors Choice	Minimum to open	APY*
Balances $250,000 and Over	-	1.50%
Balances between $100,000 - $249,999	-	1.50%
Balances between $50,000 - $99,999	-	0.75%
Balances between $25,000 - $49,999	-	0.65%
Balances between $10,000 - $24,999	-	0.60%
Balances between $0 - $9,999	$2,500.00	0.45%
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Horizon Money Market	Minimum to open	APY*
Balances $100,000 and Over	-	1.25%
Balances between $50,000 - $99,999	-	1.00%
Balances between $2,500 - $49,999	-	1.00%
Balances between $0 - $2,499	$0.00	0.35%
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*Annual Percentage Yield

Note: Checking account fees may apply and reduce earnings on the account. Certificate of Deposit early withdrawal penalties may apply and reduce earnings on the account. Posted Annual Percentage Yields (APY) are accurate as of the date listed above. APY is subject to change at any time without notice and the rate may change after the account is opened. Interest bearing accounts earn interest on all positive balances.

For Current Annual Percentage Yields and Interest Rates, please call
Customer Service Direct (207) 667-7100 • 1-888-853-7100 (Toll Free)