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Current Rates:

Commercial Auto Loans

Consumer Auto Loans

Home Equity Loans

Installment Loans

Savings and COD's




Commercial Auto Loan Rates as of 3/24/08

COMMERCIAL AUTO LOANS MAXIMUM TERM ANNUAL PERCENTAGE RATE DOWN PAYMENT
Automobile/Vehicle - New 24 Months 7.25% 10 %
36 Months 7.25% 10 %
48 Months 7.25% 10 %
60 Months 7.25% 10 %
Automobile/Vehicle - Used
UP TO 48 Months 8.00 % 10 %

Rates are subject to change without notice.

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Consumer Auto Loan Rates as of 3/24/08

CONSUMER AUTO LOANS MAXIMUM
TERM
ANNUAL PERCENTAGE RATE DOWN PAYMENT
AUTOMOBILE - NEW 24 Months 6.00 % 10 %
36 Months 6.00 % 10 %
48 Months 6.00 % 10 %
60 Months 6.00 % 10 %
AUTOMOBILE - USED
Up To 48 Months 6.75 % 10 %


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Home Equity:

Home Equity Programs
Interest Rate
Closing Cost Equity
TERM LOAN $25000 TO $500000 Fixed None 80% Combined
Loan to Value
LINE OF CREDIT $25000 TO $500000 Prime minus .50% None 80% Combined
Loan to Value

Rates are subject to change without notice.
For variable rate accounts, the APR (Annual Percentage Rate) may increase after the loan has closed.

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Installment Loan Rates as of 3/24/08

CONSUMER
ACCOUNT TYPE
MAXIMUM
TERM
ANNUAL
PERCENTAGE RATE
(DEPOSITOR)
ANNUAL
PERCENTAGE RATE
(NON-DEPOSITOR)
DOWN
PAYMENT
Personal Unsecured 60 Months 8.25% 10.25% NA
Personal Secured 60 Months 4.50% NA% NA
Personal
Line of Credit
Unsecured
NA 16.00% NA% NA


Rates are subject to change without notice.

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Savings and Certificate of Deposit Rates as of 5/5/08

Account Type Interest Rate Annual Percentage
Yield (APY)
Opening Deposit
Savings Accounts
Passbook .25% .25% $500
Statement .25% .25% $500
Silver Savings .50% .50% $2500
Prosperity Savings 1.24% 1.25% $50000
Transaction Accounts
Money Fund Plus Savings      
    Personal .25 % .25 % $2500
    Business .25 % .25 % $7500
SuperNow Accounts .15 % .15 % $2500
Money Vest Personal/Business (4 TIER PRODUCT)
TIER I TIER II TIER III TIER IV
< 2500 $ 2500.00 – $14,999.99 $15,000.00 - $49,999.99 $50,000.00 +
0.25 / 0.25 .75/ .75 1.25/ 1.24 1.40/ 1.39
Certificates Of Deposit Less Than $100,000
7 to 29 Days 1.50% 1.50% $2500
30 to 89 Days 1.75% 1.75% $2500
3 Months 1.73% 1.75% $2500
6 to 11 Months 2.08% 2.10% $2500
12 to 23 Months 2.08% 2.10% $2500
24 to 59 Months 2.23% 2.25% $2500
60 Months 2.47% 2.50% $2500
All Certificates Of Deposit Of $100,000 And Over Are Quoted Daily On An Individual Basis.
Account Type Interest Rate Annual Percentage
Yield (APY)
Opening
Deposit
IRAS
Variable .9954% 1.00% $500
6 to 11 Months 2.0818% 2.10% $500
12 to 23 Months 2.0818% 2.10% $500
24 to 47 Months 2.2271% 2.25% $500
48 to 60 Months 2.4718% 2.50% $500

The Annual Percentage Yield (APY) is as of 5/5/08

Rates are subject to change without notice. For variable rate accounts, rates
may change after the account is opened and fees may reduce earnings.
Premature withdrawals of Certificates of Deposit may be subject to a penalty and can only be made with the consent of the Bank.

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