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Friday, February 4
Current Rates for Certificates of Deposits and IRAs
| Rates are effective as of January 18, 2005 |
| 91 Days | 2.25% | APY 2.27% |
| 182 Days | 3.00% | APY 3.02% |
| 12 Months | 3.25% | APY 3.25% |
| 24 Months | 3.50% | APY 3.50% |
| 36 Months | 3.75% | APY 3.75% |
| 48 Months | 4.00% | APY 4.00% |
| 60 Months | 4.25% | APY 4.25% |
| Savings | 1.25% | APY 1.27% |
| Now & MMIA | 0.75% | APY 0.77% |
| Christmas Club | 1.50% | APY 1.50% |
*** Rates are subject to change without notice ***
APY= ANNUAL PERCENTAGE YEILD
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