Account Rates (effective April 30, 2008)

Certificate Terms	Interest Rate	APY	Minimum Deposit To Open	Compounding and Crediting Frequency
91 day	2.04%	2.05%	$500.00	91 days
182 day	2.24%	2.25%	$500.00	182 days
Second Century CD - 212 days	2.83%	2.85%	$5,000.00	90 days
12 month	2.50%	2.50%	$500.00	at maturity
24 month	2.65%	2.65%	$500.00	annually
36 month	2.70%	2.70%	$500.00	annually
48 month	2.75%	2.75%	$500.00	annually
60 month	3.00%	3.00%	$500.00	annually

IRA Terms	Interest Rate	APY	Minimum Deposit To Open	Compounding and Crediting Frequency
12 month fixed	3.06%	3.05%	$100.00	annually
24 month fixed	3.25%	3.25%	$100.00	annually
36 month fixed	3.40%	3.40%	$100.00	annually
²60 month variable rate	4.25%	4.25%	$50.00	annually

Checking and Savings Products	Interest Rate	APY	Minimum Deposit To Open	Compounding and Crediting Frequency
³NOW Account	.25%	.25%	No minimum	monthly
²Regular Savings	.50%	.50%	$10.00	quarterly
²SSB Savings (combined with checking statement)	.50%	.50%	$10.00	monthly
²Christmas Club	.60%	.60%	$10.00	annually
³Money Market Investment Account (MMIA)- tiered			$1000.00
$0.00 to $999.99 minimum daily balance	.25%	.25%		monthly
$1,000.00 to $24,999.99 minimum daily balance	.95%	.95%		monthly
$25,000 to $49,999.99 minimum daily balance	1.26%	1.26%		monthly
$50,000.00 to $99,999.99 minimum daily balance	1.74%	1.75%		monthly
$100,000.00 to $149,999.99 minimum daily balance	2.37%	2.40%		monthly
$150,000.00 and over minimum daily balance	3.35%	3.40%		monthly

Some restrictions may apply.
Penalty for early withdrawal may be imposed on certificates and IRA's.
APY=Annual Percentage Yield
All rates/APY's are accurate as of the date shown above, and are subject to change without notice.
¹Fees may reduce earnings.
²Rates may change after opening
³ Fees may reduce earnings, Rates may change after opening

PO Box 220 - 116 E Elmore St
109 S Todd (Drive Up)
Manly, IA 50456-0220
Phone: 641-454-2255
Fax: 641-454-2605

PO Box F -109 Woodland Avenue
Riceville, Iowa 50466-0506
Phone: 641-985-2442
Toll Free: 888-834-2442
Fax: 641-985-2017