Current Rates

All rates and products are available to persons who work or live in our Marketing Area.
Rates and products are subject to change without notification.
Rates are effective as of April 22, 2008.

Certificate of Deposit	Minimum Amount	Rate	APY
90 Day CD	$1,000.00	1.50%	1.50%
6 Month CD	$1,000.00	1.50%	1.50%
12 Month CD	$1,000.00	2.00%	2.02%
12 Month FLEX CD	$1,000.00	2.25%	2.27%
24 Month CD	$1,000.00	2.50%	2.53%
36 Month CD	$1,000.00	2.50%	2.53%
48 Month CD	$1,000.00	2.50%	2.53%
60 Month CD	$1,000.00	2.50%	2.53%

COOP GOLD Certificates	Minimum Amount	Rate	APY
6 Month FLEX CD	$1,000.00	2.50%	2.50%
7 Month CD	$1,000.00	3.00%	3.00%
7 Month IRA CD	$1,000.00	3.00%	3.00%

A Certificate of Deposit Account requires a minimum deposit of $1,000.00 to open and maintain the APY*. The APY* (Annual Percentage Yield) is a percentage rate reflecting the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365 day period. A penalty may be imposed for withdrawals made prior to the maturity date. Applicable fees could reduce the earnings on your account.

Deposit Product	Minimum To Maintain APY	Rate	APY
Coop Gold Checking	$50.00	0.05%	0.05%
NOW Checking	$50.00	0.05%	0.05%
Statement Savings	$50.00	0.50%	0.50%
Passbook Savings	$50.00	0.50%	0.50%
Tiered Statement Savings	$50.00$2,500.00 $25,000.00$50,000.00	0.50%1.00% 1.50%1.75%	0.50%1.00% 1.51%1.76%
Business Money Market	$50.00$10,000.00 $25,000.00$100,000.00	1.00%1.25%1.50%1.75%	1.00%1.26%1.51%1.76%
Coop Gold Money Market	$50.00$2,500.00 $25,000.00$50,000.00	1.00%1.25% 2.00%2.50%	1.00%1.26% 2.02%2.53%
Regular Money Market	$50.00$2,500.00	0.05%1.25%	0.05%1.26%

All Deposit Product Accounts require a minimum balance of $50.00 to maintain the APY*. The APY* (Annual Percentage Yield) is a percentage rate reflecting the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365 day period. Applicable fees could reduce the earnings on your account.

Mortgage Product	Rate	APR	Payment Per $1,000.00
30 Year with 2 Points	5.875%	6.09%	$5.92
30 Year with 1 Point	6.000%	6.12%	$6.00
30 Year with N0 Points	6.125%	6.15%	$6.08
20 Year with 2 Points	5.750%	6.04%	$7.02
20 Year with 1 Point	5.875%	6.04%	$7.09
20 Year with N0 Points	6.000%	6.04%	$7.16
15 Year with 2 Points	5.500%	5.86%	$8.17
15 Year with 1 Point	5.625%	5.83%	$8.24
15 Year with N0 Points	5.750%	5.80%	$8.30

Mortgage Product	Rate	APR	Payment Per $1,000.00
New Purchases Only 30 Year with N0 Points	6.000%	6.03%	$6.00

Variable Mortgage Rates - Payment and interest rate may increase during the life of an Adjustable Mortgage Loan.

Discounted Mortgage Product	Rate	APR	Margin	CAPS	Payment Per $1,000.00
1 Year ARM with NO Points	5.125%	5.15%	3.25	2/6	$4.91
3 to 1 Year ARM with NO Points	5.250%	5.37%	3.50	2/6	$4.99
5 to 1 Year ARM with NO Points	5.500%	5.61%	3.75	2/6	$5.16

There is no application fee. The appraisal fee is payable at the time of application. PMI (Private Mortgage Insurance) is required if the downpayment is less than 20%. The Annual Percentage Rate (APR) is the actual cost of credit to the borrower, including interest and certain other charges, expressed as a yearly rate and calculated over the life of the loan. The APR stated assumes a 20% downpayment. All rates and products are subject to change without notice.

First Time Homebuyers - There are no application, appraisal or credit report fees.

First Time Homebuyer Products	Minimum Down Payment	Rate	APR	Margin	CAPS	Payment Per $1,000.00
5 to 1 Year ARM with NO Points	3%	5.375%	5.48%	3.625	2/6	$5.07

*Borrowers with a 3% downpayment will be subject to Affordable Housing Guidelines; please see our loan staff for details.

PMI (Private Mortgage Insurance) is required if the downpayment is less than 20%. The Annual Percentage Rate (APR) is the actual cost of credit to the borrower, including interest and certain other charges, expressed as a yearly rate and calculated over the life of the loan. The APR stated assumes a 20% downpayment. All rates and products are subject to change without notice.

For HOME EQUITY Loan, EQUITY Line, AUTOMOBILE Loan, or COMMERCIAL Mortgage and CONSTRUCTION Loan Products or for additional loan information please contact our Loan Department at 413-584-4474.