Rates Effective as of 11/21/2008


Checking Accounts
Account Type
Tiers
Rate
APY*
NOW Checking
Tier 1
0.25%
0.25%
Tier 2
0.40%
0.40%
Hi-Fi
Tier 1
0.25%
0.25%
Tier 2
1.25%
1.26%
Tier 3
1.50%
1.51%
Hi-Fi Platinum
Tier 1
0.25%
0.25%
Tier 2
1.25%
1.26%
Tier 3
2.00%
2.02%
*Annual Percentage Yield
Fees may reduce earnings on the account.
Rates may change after the account is opened.


Savings Acccounts
Account Type
Rate
APY*
Passbook Savings
0.75%
0.75%
Lit'l Peoples Savings Account
0.75%
0.75%
*Annual Percentage Yield
Fees may reduce earnings on the account.
Rates may change after the account is opened.


Certificates of Deposit
Account Type
Rate
APY*
CD - 3 Month CD
1.75%
1.76%
CD - 6 Month CD
2.00%
2.02%
CD - 12 Month CD
2.25%
2.27%
CD - 18 Month CD
2.30%
2.32%
CD - 24 Month CD
2.50%
2.53%
CD - 30 Month CD
2.55%
2.58%
CD - 36 Month CD
2.75%
2.78%
CD - 48 Month CD
3.00%
3.04%
CD - 60 Month CD
3.25%
3.30%
IRA - 18 Month IRA
2.50%
2.52%
*Annual Percentage Yield
Penalty for early withdrawal.


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