Rates List

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Certificates of Deposit*

	APY*	Rate
$500.00 Minimum to open **
7-31 Day	1.60%	1.59%
90 Day	2.00%	1.98%
6 Month	2.40%	2.37%
12 Month	2.90%	2.86%
24 Month	2.90%	2.86%
36 Month	3.00%	2.96%
48 Month	3.20%	3.15%
60 Month	3.55%	3.49%
$10,000.00 Minimum to open **
7-31 Day	1.70%	1.69%
90 Day	2.10%	2.08%
6 Month	2.50%	2.47%
12 Month	3.00%	2.96%
24 Month	3.00%	2.96%
36 Month	3.10%	3.06%
48 Month	3.30%	3.25%
60 Month	3.65%	3.59%

IRA Accounts *

$250.00 Minimum to open **
12 Month CD	3.00%	2.97%
24 Month CD	3.00%	2.97%
36 Month CD	3.10%	3.06%
60 Month CD	3.64%	3.59%

I.R.A. Annual Percentage, yield compounded quarterly

Interest Checking

Money Market
Minimum Balance **	APY	Rate
$1000 - $24,999.99	.35%	.35%
$25,000.00 - $49,999.99	.60%	.60%
$50,000.00 - $99,999.99	1.00%	1.00%
$100,000.00 - 249,999.99	1.50%	1.49%
$250,000 - over	2.00%	1.98%
NOW
$500.00 Minimum	.20%	.20%

Statement Savings ***

	APY	Rate
Regular Savings: $50.00 - $14,999.99	.40%	.40%
Regular Savings: $15,000.00 - $99,999.99	.60%	.60%
Regular Savings: $100,000 +	1.00%	1.00%
APY = Annual Percentage Yield Penalty may apply for early withdrawal. Must maintain minimum balance to obtain the disclosed annual percentage yield. Fees may affect earnings on the accounts. **$50.00 minimum to open - A monthly flat service charge will apply if balance falls below mimimum requirement

Christmas Club (Starts October maturing the following October) *
	APY	Rate
Coupon Book	.40%	.40%
Automatic	.50%	.50%
Vacation Club (Starts May maturing the following May) *
	APY	Rate
Coupon Book	.40%	.40%
Automatic	.50%	.50%

Rates may change without notice. Last updated: 05/06/2008
For the latest Mortgage rates and information contact our Loan department at 570-799-0176 or lmorris@unbmountcarmel.com