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Current Rates

Rates are effective as of 5/9/2008.
Rates are subject to change at any time without notice.


Certificates of Deposit
Term
Minimum*
Interest Rate
APY**
Special Terms
91 - 181 Days
$500
1.38%
1.40%
None
182 - 364 Days
$500
1.68%
1.70%
None
1 Year - 23 Months
$500
1.97%
2.00%
None
24 - 35 Months
$500
2.37%
2.40%
None
36 - 47 Months
$500
2.52%
2.55%
None
48 - 59 Months
$500
2.77%
2.80%
None
60 Months
$500
3.00%
3.05%
None
12 Month KNIGHT CD (final rate)***
$500
5.23%
5.30%
None
*Minimum Balance, penalty for early withdrawal
**APY= Annual Percentage Yield
***Enrollment period was from October 22, 2007 - December 7, 2007 only.


Individual Retirement Accounts (IRAs)
Term
Minimum*
Interest Rate
APY**
Special Terms
91 - 181 days
$500
xxx
xxx
None
182 - 364 days
$500
1.78%
1.80%
None
1 Year - 23 Months
$500
2.07%
2.10%
None
24 - 35 Months
$500
2.47%
2.50%
None
36 - 47 Months
$500
2.62%
2.65%
None
48 - 59 Months
$500
2.87%
2.90%
None
60 Months
$500
3.10%
3.15%
None
*Minimum Balance, penalty for early withdrawal
**APY =Annual Percentage Yield


Checking Accounts
Product
Minimum Balance**
Interest Rate
APY*
NOW Account
$1,000
0.50%
0.50%
Money Market Deposit Account
$2,500
1.00%
1.00%
*APY = Annual Percentage Yield
**Minimum daily balance
Fees may reduce earnings


Savings Accounts
Product
Minimum Balance**
Interest Rate
APY*
Statement Savings
$1.00
1.05%
1.05%
Christmas Savings
see account terms
1.75%
1.75%
*APY = Annual Percentage Yield
**Minimum daily balance
Fees may reduce earnings
Minimum $100 deposit to open. This may be waived for children under the age of 18.

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