:: Deposit Rates

Rates Effective as of March 25, 2004

:: Checking, Saving, and Special Money Fund
	APY	Minimum Balance Required to Open & Earn APY
Checking
Easy Free	0.00%	n/a
Basic Checking	0.00%	n/a
NOW Account	0.10%	$100
Minuteman Checking	0.20%	$100
Advantage 50	0.20%	$100

Savings
Passbook Savings	0.50%	$10
IRA Passbook	0.50%	$10
Statement Savings	0.50%	$10

Special Money Fund
	0.50%	$0 - 24,999.99
	0.55%	$25,000 - 49,999.99
	1.25%	$50,000 - 74,999.99
	1.64%	$75,000 or more

:: CDs and IRAs

Interest Rates and Annual Percentage Yield ("APY")
Effective as of February 26, 2004.

:: Fixed Rate Term Deposit Certificates ("CD")
TERM	INTEREST RATE	APY
3 Months	1.00%	1.00%
6 Months	1.24%	1.25%
9 Months	1.49%	1.50%
12 Months	1.49%	1.50%
14 Months	1.73%	1.75%
19 Months	1.98%	2.00%
24 Months	2.18%	2.20%
30 Months	2.96%	3.00%
36 Months	2.96%	3.00%
60 Months	3.44%	3.50%

Minimum balance required to open & earn APY is $1,000.00 assumes principal & interest remains on deposit for the entire term. Penalty applies for early withdrawal.

:: Individual Retirement Accounts ("IRA")
TERM	INTEREST RATE	APY
Passbook Savings	0.50%	0.50%
12 Month CD	1.49%	1.50%
14 Month CD	1.73%	1.75%
19 Month CD	1.98%	2.00%
24 Month CD	2.18%	2.20%
30 Month CD	3.20%	3.25%
36 Month CD	2.96%	3.00%
60 Month CD	3.44%	3.50%

Minimum balance required to open & earn APY on IRA CDs is $500.00 assumes principal & interest remains on deposit for the entire term. Penalty applies for early withdrawal and fees may reduce earnings.

Passbook savings is a variable rate account subject to change without notice after the account is opened.

 

:: Access 24

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