Certificates of Deposit (CDs)

CD
Duration
Annual
Percentage
Yield
Interest
Rate
Min.
Opening
Deposit
6 Months 2.78% 2.75% 500.00
8 Months 2.83% 2.80% 500.00
365 Days 3.03% 3.00% 500.00
365 Days
No Penalty
1.26% 1.25% 2,500.00
14 Months
(Flex / Adv)
3.03% 3.00% 100.00
15 Months 3.14% 3.10% 500.00
15 Months
No Penalty
2.27% 2.25% 500.00
18 Months 3.19% 3.15% 500.00
20 Months 3.19% 3.15% 500.00
24 Months 3.29% 3.25% 500.00
24 Months
Rate Manager
3.03% 3.00% 500.00
30 Months 3.29% 3.25% 500.00
36 Months 3.44% 3.40% 500.00
42 Months 3.44% 3.40% 500.00
48 Months 3.44% 3.40% 500.00
60 Months 3.55% 3.50% 500.00


Individual Retirement Accounts (IRAs)

IRA
Duration
Annual
Percentage
Yield
Interest
Rate
Min.
Opening
Deposit
365 Days 3.14% 3.10% 500.00
14 Months
(Flex / Adv)
3.14% 3.10% 100.00
18 Months 3.29% 3.25% 500.00
24 Months 3.39% 3.35% 500.00
30 Months 3.39% 3.35% 500.00
60 Months 3.65% 3.60% 500.00


Interest Bearing Checking

Account Annual
Percentage
Yield
Interest
Rate
Min.
Opening
Deposit
Merit 50 0.35% 0.35% 500.00
Prime Access 0.35% 0.35% 500.00
Super NOW 0.35% 0.35% 500.00




Platinum Access Savings

Balance Annual
Percentage
Yield
Interest
Rate
$0 to $9,999.99 0.50% 0.50%
$10,000 to $74,999.99 1.51% 1.50%
$75,000 to $199,999.99 2.52% 2.50%
$200,000 and up 3.03% 3.00%


Platinum Access Money Market

Balance Annual
Percentage
Yield
Interest
Rate
$0 to $9,999.99 0.50% 0.50%
$10,000 to $74,999.99 1.51% 1.50%
$75,000 to $199,999.99 2.53% 2.50%
$200,000 and up 3.04% 3.00%




Riverland Money Market

Balance Annual
Percentage
Yield
Interest
Rate
up to $2,499.99 0.40% 0.40%
$2,500.00 to $24,999.99 0.50% 0.50%
$25,000.00 to $49,499.99 0.95% 0.95%
$50,000.00 and up 1.11% 1.10%


Interest rates and annual percentage yields stated are variable and are accurate as of May 15, 2008.