Current Interest Rates Effective as of:
7/24/2008

Interest rates are subject to change

Savings
Account Type	Rate	*APY
Regular Savings	.50	.50
Youth Savings	1.00	1.00
Piggy Bank Savings	1.00	1.00
*APY = Annual Percentage Yield Rates are subject to change. Fees may reduce earnings. Minimum opening deposit for Regular Savings of $100.00

Interest Checking
Amount	Rate	*APY
$0 - $999	.00	.00
$1,000 - $2,499	.25	.25
$2,500 - $9,999	.50	.50
$10,000 - $24,999	.50	.50
$25,000 +	.50	.50
*APY = Annual Percentage Yield Rates are subject to change. Fees may reduce earnings. Minimum opening deposit of $100.00

Heritage 50 Interest Checking
Amount	Rate	*APY
$0 - $999	.00	.00
$1,000 - $2,499	.25	.25
$2,500 - $9,999	.50	.50
$10,000 - $24,999	.50	.50
$25,000 +	.50	.50
*APY = Annual Percentage Yield Rates are subject to change. Fees may reduce earnings. Minimum opening deposit of $100.00

Money Market Account
Amount	Rate	*APY
$2,500 - $14,999	.75	.75
$15,000 - $74,999	1.00	1.00
$75,000 - $99,999	1.00	1.00
$100,000 - $249,999	1.00	1.00
$250,000 - $499,999	1.00	1.00
$500,000 +	1.00	1.00
*APY = Annual Percentage Yield Rates are subject to change. Fees may reduce earnings. Minimum opening deposit of $2,500.00

Account Type	Rate	*APY
IOLTA - Lawyers Trust	.50	.50
Sweep ($0 - $49,999)	.40	.40
Sweep ($50,000 +)	.65	.65
IRA TDOA	1.50	1.51
*APY = Annual Percentage Yield Rates are subject to change. Fees may reduce earnings.

Certificates of Deposit
Type	Rate	*APY	Minimum Investment
Variable Term CD	.50	.50	$2,500.00
7 - 31 Day CD	.50	.50	$2,500.00
60 Day CD	.50	.50	$2,500.00
90 Day CD	2.25	2.27	$2,500.00
6 Month CD	3.00	3.02	$2,500.00
12 Month CD	3.25	3.25	$1,500.00
18 Month CD	3.85	3.85	$1,500.00
24 Month CD	3.85	3.85	$1,500.00
30 Month CD	3.85	3.85	$1,500.00
36 Month CD	4.00	4.00	$1,500.00
48 Month CD	4.00	4.00	$1,500.00
60 Month CD	4.00	4.00	$1,500.00
*APY = Annual Percentage Yield Rates are subject to change. Fees may reduce earnings. There is a substantial penalty for early withdrawal.

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