Account Type*

Annual
Percentage
Yield

Interest Rate 

Advantage Money Market
  Tier 1 - balance over $10,000

1.10%

1.10%

Advantage Money Market
  Tier 2 - balances $2,500 to $10,000

0.70%

0.70%

Advantage Checking

0.70%

0.70%

NOW Checking

0.50%

0.50%

Passbook Savings

0.50%

0.50%

  CD Accounts* ^t

Annual
Percentage
Yield

Interest Rate

 30 Day

1.05%

1.05%

 90 Day

1.00%

1.00%

 180 Day

1.41%

1.40%

 1 Year

1.10%

1.10%

 18 Month

1.91%

1.90%

 2 Year

1.51%

1.50%

 30 Month

2.17%

2.15%

 3 Year

2.37%

2.35%

 4 Year

2.73%

2.70%

 5 Year

3.03%

3.00%

  IRA Accounts* ^t

Annual
Percentage
Yield

Interest Rate

1 Year

1.10%

1.10%

18 Month

1.91%

1.90%

2 Year

1.51%

1.50%

30 Month

2.17%

2.15%

3 Year

2.37%

2.40%

4 Year

2.73%

2.35%

5 Year

3.03%

3.00%

* Fees could reduce the earnings on the account.
^t A substantial penalty may be imposed for early
withdrawal on Certificates of Deposit.