DEPOSIT INTEREST RATES

Rates effective as of May 15, 2008


Checking and Savings
Account Rate APY
Murray Gold Club 0.40% 0.40%
Checking with Interest 0.40% 0.40%
Personal Investment 1 0.75% 0.75%
Personal Investment 2 1.00% 1.00%
Personal Investment 3 1.24% 1.25%
Personal Investment 4 1.49% 1.50%
Personal Investment 5 1.74% 1.75%
Statement Savings 0.60% 0.60%
Youth Savings 0.60% 0.60%
Business Interest 0.40% 0.40%
Business Investment 1 0.75% 0.75%
Business Investment 2 1.00% 1.00%
Business Investment 3 1.24% 1.25%
Business Investment 4 1.49% 1.50%
Business Investment 5 1.74% 1.75%
Actual Annual Percentage Yield may differ if any fees are applied


Certificates of Deposits
Certificate Term Rate APY Minimum Deposit Compound Frequency Early Withdrawal Penalty
3 Month 1.89% 1.90% $500.00 at maturity 1 month
6 Month 2.73% 2.75% $500.00 at maturity 3 months
9 Month 2.39% 2.40% $500.00 at maturity 3 months
12 Month 2.04% 2.05% $500.00 semi-annually 3 months
18 Month 2.09% 2.10% $500.00 semi-annually 6 months
24 Month 2.24% 2.25% $500.00 semi-annually 6 months
30 Month 2.29% 2.30% $500.00 semi-annually 6 months
36 Month 2.39% 2.40% $500.00 semi-annually 6 months
48 Month 2.48% 2.50% $500.00 semi-annually 6 months
60 Month 3.03% 3.05% $500.00 semi-annually 6 months
Minimum of $500 to open
Actual Annual Percentage Yield may differ if any fees are applied


IRA's
Type Rate APY
12 Month Fixed 2.04% 2.05%
18 Month Fixed 2.09% 2.10%
18 Month Variable 2.14% 2.15%
24 Month Fixed 2.24% 2.25%
60 Month Fixed 2.39% 2.40%
Money Fund 1.24% 1.25%
Actual Annual Percentage Yield may differ if any fees are applied


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