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Certificates of Deposit are structured to provide you with whatever degree of flexibility that you need. Terms range from 91 days to 2 years. The minimum balance to open a Certificate of Deposit is $500.00. We offer extremely competitive rates.

Rates Effective 03/30/2007
Term Minimum Balance APY* Compounding Rate
 91 Day $500.00 3.75% Maturity 3.70%
182 Day $500.00 5.10% Maturity 5.00%
365 Day $500.00 5.25% Quarterly 5.15%
One & Half Year $500.00 5.15% Quarterly 5.05%
Two Year $500.00 5.15% Quarterly 5.05%

The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Fees may reduce earnings.

*Annual Percentage Yield

**APY=Annual Percentage Yield. Minimum term for IRAs is one year. All CDs compound quarterly except 91 days, which do not compound. Rates can be changed at any time without notice.

**Penalty may be imposed for early withdrawal.

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