Rates Effective as of March 1, 2007

Certificates of Deposit
Account Type	Minimum Deposit	Interest Rate	Annual Percentage Yield
91 Day CD*	$1,000.00	2.50%	2.52%
6 Month CD*	$1,000.00	3.00%	3.04%
12 Month CD*	$500.00	3.75%	3.81%
12 Month Variable Prime Rate CD***	$5,000.00	5.35%	5.46%
18 Month CD*	$500.00	3.90%	3.96%
24 Month CD*	$500.00	4.00%	4.06%
30 Month CD*	$500.00	4.00%	4.06%
36 Month RateRiser CD***	$5,000.00	4.20%	4.20%
36 Month CD*	$500.00	4.20%	4.27%
48 Month CD*	$500.00	4.40%	4.47%
60 Month CD*	$2,500.00	4.65%	4.73%

Individual Retirement Accounts
Account Type	Minimum Deposit	Interest Rate	Annual Percentage Yield
12 Month Prime Rate Variable IRA***	$1,000.00	5.35%	5.46%
18 Month IRA/Roth*	$500.00	3.90%	3.96%
48 Month IRA*	$500.00	4.40%	4.47%

Checking Accounts
Account Type	Minimum Deposit	Interest Rate	Annual Percentage Yield
Commercial Money Fund Account**	$2,500.00	1.50%	1.51%
NOW Checking**	$1,000.00	1.00%	1.01%
NOW Advantage Checking**	$1,000.00	1.00%	1.01%
NOW Advantage Plus Checking**	$1,000.00	1.25%	1.26%
Personal Money Fund Account**	$1,000.00	1.50%	1.51%

Fees could reduce earnings on the account.

Savings Accounts
Account Type	Minimum Deposit	Interest Rate	Annual Percentage Yield
Statement Savings**	$50.00	1.50%	1.51%
Christmas Club Savings***	$5.00	1.50%	1.50%
Student and Senior Statement Savings**	$50.00	1.50%	1.51%

(APY) Annual Percentage Yield.
Fees could reduce earnings on the account.
Rates subject to change without notice.
*A penalty may be imposed for early withdrawal.
**The interest rate and annual percentage yield may change after account opening.
***A penalty may be imposed for early withdrawal and the interest rate and annual percentage yield may change after account opening.