DATE OF LAST CHANGE: THURSDAY, MAY 1, 2008
   
THIS CHART CONTAINS INFORMATION ABOUT INTEREST RATES AND APY RATES OFFERED
   
RATE DESCRIPTION
 
MINIMUM OPENING BALANCE CURRENT RATE ANNUAL PERCENTAGE YIELD IRA MINIMUM OPENING BALANCE IRA CURRENT RATE ANNUAL PERCENTAGE YIELD
               
CD 06 MONTH   $1,000.00 1.15% 1.15%      
CD 12 MO $500 MIN*   $500.00 1.25% 1.25%      
CD 12 MONTH   $1,000.00 1.25% 1.25% $250.00 1.25% 1.26%
CD 18 MONTH   $1,000.00 1.50% 1.51% $250.00 1.50% 1.51%
CD 24 MONTH   $1,000.00 1.60% 1.61% $250.00 1.60% 1.61%
CD 30 MONTH   $1,000.00 1.75% 1.76% $250.00 1.75% 1.76%
CD 36 MONTH   $1,000.00 2.00% 2.01% $250.00 2.00% 2.02%
CD 48 MONTH   $1,000.00 2.25% 2.26% $250.00 2.25% 2.27%
CD 60 MONTH   $1,000.00 2.50% 2.52% $250.00 2.50% 2.52%
6 MO SPECIAL   $1,000.00 2.25% 2.26%      
12 MO SPECIAL   $1,000.00 2.50% 2.52% $250.00 2.50% 2.52%
24 MO SPECIAL   $1,000.00 2.65% 2.67% $250.00 2.65% 2.68%
60 MO SPECIAL   $1,000.00 3.00% 3.02% $250.00 3.00% 3.03%
                 
VARIABLE IRA $250.00 2.00% 2.02%
 
** A PENALTY MAY BE IMPOSED FOR EARLY WITHDRAWAL
*** ANNUAL PERCENTAGE YIELD ASSUMES INTEREST REMAINS ON DEPOSIT
XPRESS PLUS
$750.00 MINIMUM FOR ALL ACCOUNTS EXCEPT NON-PROFIT $100.00 MINIMUM
$.01 TO $749.99   0.25% 0.25%      
$750.00 TO $9,999.99   0.55% 0.55%      
$10,000.00 AND OVER   0.60% 0.60%      
ENB ELITE $2,500.00
$2,500.00 TO $24,999.99   1.50% 1.51%      
$25,000.00 TO $49,999.99   2.00% 2.02%      
$50,000.00 AND OVER   2.50% 2.53%      
SAVINGS  $100.00
$100.00 TO $2,499.99   0.50% 0.50%      
$2,500.00 TO $24,999.99   1.00% 1.00%      
$25,000.00 AND OVER   1.50% 1.51%      
MEMBER FDIC
 
WEALTH BUILDER SAVINGS  $10.00  
$10.00 TO $499.99     0.75% 0.75%    
$500.00 TO $2,499.99     1.00% 1.00%    
$2,500.00 AND OVER     2.00% 2.02%    
  MEMBER FDIC