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INTEREST RATES IN EFFECT 3-20-06

Rates are subject to change at any time without notice.
Phone Penny® at (708) 687-8240
24 hours a day for up-to-date deposit and loan rate information.

ACCOUNT/TERM
(COMPOUNDS)
MINIMUM
BALANCE
INTEREST
RATE
ANNUAL PERCENTAGE
YIELD (APY)
PASSBOOK SAVINGS
(daily) * (*)
$100
0.80%
0.80%
STATEMENT SAVINGS
(daily) * (*)
$100
0.90%
0.90%
CHRISTMAS CLUB
(quarterly)
$0
0.90%
0.90%
CLASSIC CHECKING
(quarterly) * (*)
$250
0.30%
0.30%
MONEY MARKET ACCT
(monthly) * (*)
$25,000
$2,500
$250
1.59%
1.29%
0.30%
1.60%
1.30%
0.30%
LIFE SAVINGS
(quarterly) * (*)
$250
1.22%
1.23%
3 MONTH CD
(quarterly) (*)
$1,000
2.72%
2.75%
6 MONTH CD
(simple) (*)
$1,000
3.15%
3.15%
9 MONTH CD
(monthly)
$1,000
3.06%
3.10%
10 MONTH CD
(simple) (*)
$1,000
3.30%
3.30%
1 YEAR CD
(quarterly)
$1,000
3.36%
3.40%
13 MONTH CD
(quarterly)
$1,000
3.60%
3.65%
18 MONTH CD
(quarterly)
$1,000
3.65%
3.70%
22 MONTH CD
(quarterly)
$1,000
3.94%
4.00%
2 YEAR CD
(quarterly)
$1,000
3.65%
3.70%
3 YEAR CD
(quarterly)
$1,000
3.94%
4.00%
4 YEAR CD
(quarterly)
$1,000
3.89%
3.95%
5 YEAR CD
(quarterly)
$1,000
4.23%
4.30%
1 YEAR FIXED IRA
(quarterly)
$250
3.36%
3.40%
13 MONTH FIXED IRA
(quarterly)
NO DEPOSITS ALLOWED
$250
3.60%
3.65%
18 MONTH FIXED IRA
(quarterly)  
$250
3.65%
3.70%
18 MONTH VARIABLE IRA
(quarterly) *
$250
3.65%
3.70%
22 MONTH FIXED IRA
(quarterly)
NO DEPOSITS ALLOWED
$250
3.94%
4.00%
2 YEAR FIXED IRA
(quarterly)
NO DEPOSITS ALLOWED
$250
3.65%
3.70%
2 YEAR VARIABLE IRA
(quarterly) *
$250
3.65%
3.70%
3 YEAR FIXED IRA
(quarterly)
NO DEPOSITS ALLOWED
$250
3.94%
4.00%
4 YEAR FIXED IRA
(quarterly)
NO DEPOSITS ALLOWED
$250
3.89%
3.95%
5 YEAR FIXED IRA
(quarterly)
NO DEPOSITS ALLOWED
$250
4.23%
4.30%

Minimum balance must be maintained to avoid applicable fee, earn interest and obtain stated APY. *These are variable rate accounts. The rate is subject to change after the account is opened. Re: Classic Checking - Check writing fees (above the 20 free checks per statement cycle month) could reduce the earnings on this account. A penalty may be imposed for early withdrawal on CDs. (*)The APY is based on funds remaining on deposit for a full year at the advertised rate.

Account disclosures containing full information on terms, fees and rates are available upon request. If you would like further information about any of these products, please see a Personal Banker at the office nearest you or Contact Us. Let us know how we can help you.

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Member FDIC