DEPOSIT RATES
Rates Effective May 05, 2008


Certificates of Deposit
Type Minimum APY
91 Day CD $500 2.000%
1 Year CD $500 3.000%
2 Year CD $500 3.000%
3 Year CD $500 3.250%
* A penalty may be imposed with early withdrawal.
** $500 is required to open the account and to obtain the
minimum Annual Percentage Yield (APY).


Gold Money Market Deposit Account
Amount APY
$1,000.00-$49,999.99 1.250%
$50,000.00-$99,999.99 1.500%
$100,000.00 & Up 1.750%
APY = Annual Percentage Yield--Minimum $1,000.00
Rates may vary at the discreation of the Bank and
fees may reduce earnings on the account.