Interest Bearing Demand Accounts
Deposit Rates Effective
05/01/08
Monthly Average
Minimum to Open
Interest Rate**
APY*
Superior Checking
$1,500.00
$1,500 - $2,499.99
0.20%
0.20%
$2,500.00 or more
0.30%
0.30%
Prime Plus
$2,500.00
$24,999.99 or less
1.01%
1.01%
$25,000.00 - $49,999.99
1.40%
1.41%
$50,000.00 - $74,999.99
1.75%
1.76%
$75,000.00 or more
2.25%
2.27%
Distinctive Checking
$100.00
0.05%
0.05%
Quality Checking
$100.00
0.08%
0.08%
Regular Savings
$100.00
0.60%
0.60%
College Savings Plan
$50.00
3.05%
3.09%
Business Analysis
Earnings Credit
1.70%
Sweep Account
1.00%
*APY - Annual Percentage Yield
** The rate may change after the account is opened.
Fees could reduce earning on the account.


Time Certificates of Deposit / IRA's***
Deposit Rates Effective
04/18/08
Balance
$500.00 - $24,999.99
APY*
Balance
$25,000.00 +
APY*
100 Day Special
2.61%
2.63%
2.61%
2.63%
3 months
2.25%
2.27%
2.30%
2.32%
6 months
2.24%
2.26%
2.29%
2.31%
9 month
2.28%
2.30%
2.33%
2.35%
12 months
2.31%
2.33%
2.36%
2.38%
18 months
2.46%
2.48%
2.51%
2.53%
24 months
2.54%
2.56%
2.59%
2.62%
30 month
2.73%
2.76%
2.78%
2.81%
3 years
2.92%
2.95%
2.97%
3.00%
4 years
3.29%
3.33%
3.34%
3.38%
5 years
3.65%
3.70%
3.70%
3.75%
IRA Variable**
tied to savings
0.60%
0.60%
*APY - Annual Percentage Yield
** The rate may change after the account is opened.
***Penalty for early withdrawal.
Fees could reduce earning on the account.