Rate Information

DEPOSIT RATE SHEET
EFFECTIVE DATE 04/17/08

	Minimum Deposit to Open Account	Minimum Balance To Obtain APY	Interest Rate (%)	Annual Percentage Yield (%)
Money Market	$1,000	$1,000	0.75	0.75
91 Day CD	$1,000	$1,000	2.44	2.50
6 Month CD	$1,000	$1,000	2.68	2.75
9 Month CD	$1,000	$1,000	2.68	2.75
12 Month CD	$1,000	$1,000	2.68	2.75
15 Month CD	$1,000	$1,000	2.68	2.75
18 Month CD	$1,000	$1,000	2.68	2.75
24 Month CD	$1,000	$1,000	2.92	3.00
30 Month CD	$1,000	$1,000	2.92	3.00
36 Month CD	$1,000	$1,000	2.92	3.00
60 Month CD	$1,000	$1,000	2.92	3.00
Passbook Savings *	$50	$50	0.49	0.50
Statement Savings *	$100	$100	0.49	0.50
Christmas Club *	$5.00	$5.00	0.50	0.50
NOW Checking *	$50	$500	0.25	0.25

A penalty may be imposed for early withdrawal.
The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
*Rate may change after account is opened; fees could reduce the earnings on the account.

For Mortgage Information and Loan Rates,
Please Call Jean Kernan or Jim Smith, Sr.
(973) 736-0020

Caution!