Rates and terms listed below are effective: June 30 - July 12, 2008
| Type | Title | APY | Interest Rate | Minimum Deposit |
| CD Specials | 10 Day CD Special | 1.00% | 1.00% | $10,000.00 |
| 10 Day CD Special - Advantage | 1.15% | 1.14% | $10,000.00 |
| 10 Day CD Special - PassKey | 1.30% | 1.29% | $10,000.00 |
| 13 Day CD Special | 2.00% | 1.98% | $10,000.00 |
| 21 Day CD Special | 1.00% | 1.00% | $10,000.00 |
| 1.25% | 1.24% | $25,000.00 |
| 1.50% | 1.49% | $100,000.00 |
| 11 Month Special | 3.00% | 2.96% | $1,000.00 |
| 11 Month Special - Advantage | 3.10% | 3.06% | $1,000.00 |
| 11 Month Special - PassKey | 3.20% | 3.15% | $1,000.00 |
| 25 Month Special | 4.00% | 3.93% | $2,500.00 |
| Certificate of Deposit | Five Year | 2.50% | 2.47% | $1,000.00 |
| Five Year Smart CD | 2.25% | 2.23% | $100.00 |
| Three Year | 2.00% | 1.98% | $1,000.00 |
| Two Year | 1.75% | 1.74% | $10,000.00 |
| One Year | 1.50% | 1.49% | $10,000.00 |
| Two Year | 1.50% | 1.49% | $2,000.00 |
| One Year | 1.25% | 1.24% | $2,000.00 |
| 182 Day | 1.25% | 1.24% | $10,000.00 |
| 1.00% | 1.00% | $2,000.00 |
| 7 Day | 1.25% | 1.24% | $100,000.00 |
| 1.00% | .99% | $50,000.00 |
| .75% | .75% | $5,000.00 |
| 91 Day | 1.00% | 1.00% | $2,000.00 |
| 1.25% | 1.24% | $10,000.00 |
| Individual Retirement Accounts | Variable Rate | 1.25% | 1.24% | $50,000.00 |
| 1.10% | 1.09% | $15,000.00 |
| 1.00% | 1.00% | $10.00 |
| *Fixed Rates: Choose any 91 day to 5 Year CD rate | 0% | 0% | $0.00 |
| 11 Month Special | 3.00% | 2.96% | $1,000.00 |
| 11 Month Special - Advantage | 3.10% | 3.06% | $1,000.00 |
| 11 Month Special - PassKey | 3.20% | 3.15% | $1,000.00 |
| 25 Month Special | 4.00% | 3.93% | $2,500.00 |
| Money Market Accounts | Premium Money Market Advantage | 1.35% | 1.34% | $50,000.00 |
| 1.10% | 1.09% | $25,000.00 |
| 0.50% | 0.50% | $5,000.00 |
| 0.10% | 0.10% | $0.01 |
| Lakes Money Market | 1.40% | 1.39% | $2,500.00 |
| .10% | .10% | $0.01 |
| Lakes Money Market Plus - With FSB Checking | 2.00% | 1.98% | $2,500.00 |
| .10% | .10% | $0.01 |
| Savings | Health Savings Account (HSA) | 2.00% | 1.98% | $0.01 |
| 2.50% | 2.47% | $1,000.00 |
| 3.00% | 2.96% | $2,500.00 |
| 3.51% | 3.45% | $10,000.00 |
| 4.00% | 3.93% | $25,000.00 |
| Statement Savings | 0.35% | 0.35% | $5,000.00 |
| 0.30% | 0.30% | $100.00 |
| Passbook Savings | 0.35% | 0.35% | $5,000.00 |
| Kids' Account | 0.20% | 0.20% | $0.50 |
| Passbook Savings | 0.25% | 0.25% | $2,500.00 |
| 0.20% | 0.20% | $100.00 |
*Annual Percentage Yields for deposit instruments with no maturities or maturities
of less than one year assume reinvestment at original rate for one year. Interest
is earned and compounded monthly. Interest rates are subject to change without notice.
Regular fees or other conditions could reduce the yield. For details, review our
Truth in Savings Disclosures.
** Minimum deposit to open a Fixed Rate IRA is $500 for a 3 Year through 5 Year
term and $1,000 for any term under 3 Years.
A Substantial Penalty is imposed on premature withdrawals from certificates of deposits.
Depositors are insured for up to $100,000 by the Federal Deposit Insurance Corporation
(FDIC). Fees may reduce earnings. For complete details on any of our deposit products,
and to get current rates, contact a Customer Service Representative for assistance
at (603) 934-4445 or 1-800-FSB-4445.