Deposit Rates

Annual Percentage Yield (APY) is correct as of July 15, 2008.
All Rates are subject to change without notice.

Savings Accounts	Interest Rates	APY*
Statement Savings	0.75%	0.75%
Christmas Club	0.75%	0.75%

Checking Accounts	Interest Rates	APY*
Health Savings Account ---under $1,000 ---$1,000 & over	0.75% 1.98%	0.75% 2.00%
Super Now ---$0.00 - $2,499.99 ---$2,500 - $19,999.99 ---$20,000 & over	0.50% 0.75% 1.00%	0.50% 0.75% 1.01%
Money Market
---$0-2,499.99	0.50%	0.50%
---$2,500-$19,999.99	1.00%	1.01%
---$20,000-$49,999.99	1.49%	1.50%
---$50,000 & Over	2.10%	2.12%
PCMC
---All Balances	1.78%	1.80%

Interest credit monthly for all accounts except the Christmas Club account, which is credited at payout.

Certificates of Deposit Term	Interest Rate	APY*	Special Notes
3 Month	2.25%	2.28%
5 Month	2.76%	2.80%	**Special Limited Time**
6 Month	2.45%	2.48%
12 Month	2.60%	2.63%
15 Month	3.10%	3.15%	**Special Limited Time**
15 Month	3.15%	3.20%	**Bonus rate with Checking**
18 Month	2.85%	2.89%
24 Month	3.00%	3.05%
30 Month	3.25%	3.30%
36 Month	3.35%	3.41%
48 Month	3.92%	4.00%	**Special Limited Time**
48 Month	4.02%	4.10%	**Bonus rate with Checking**
60 Month	4.16%	4.25%	**Special Limited Time**
60 Month	4.31%	4.40%	**Bonus rate with Checking**

IRA Accounts Term	Interest Rate	APY*	Credit Frequency
12 Month	2.60%	2.63%	Quarterly
18 Month	2.975%	3.02%	Quarterly
18 Month-variable	3.60%	3.67%	Monthly
24 Month	3.00%	3.05%	Quarterly
30 Month	3.50%	3.56%	Quarterly
36 Month	3.60%	3.67%	Quarterly
48 Month	3.60%	3.67%	Quarterly
60 Month	3.80%	3.87%	Quarterly