Current Rates

Effective Date: June 09, 2008

Account Name	Minimum Deposit	Interest Rate	APY*
Citizens Bonus Checking	$100	.25%	.25%
Citizens Classic Savings	$100	.25%	.25%
Citizens Christmas Club Savings	$50	.25%	.25%
Citizens Interest Checking	$1,500	.50%	.50%
Citizens Ultimate Interest Checking	$4,000	1.25%	1.25%
Citizens Personal Money Market	$2,500	1.00%	1.00%
Citizens Commercial Money Market	$10,000	1.25%	1.25%
Citizens Investment Plus 1	$20,000	1.75%	1.75%
Citizens Investment Plus 2	$50,000	2.00%	2.00%
Citizens Investment Plus 3	$75,000	2.25%	2.25%
Citizens Investment Plus 4	$100,000	3.00%	3.00%
3 Month CD	$2500	2.05%	2.07%
6 Month CD	$2500	2.25%	2.26%
9 Month CD	$2500	2.25%	2.26%
12 Month CD	$500	2.00%	2.00%
18 Month CD	$500	2.35%	2.34%
24 Month CD	$500	2.25%	2.23%
30 Month CD	$500	2.35%	2.31%
36 Month CD	$500	2.35%	2.30%
48 Month CD	$500	2.50%	2.41%
60 MONTH CD	$500	2.75%	2.61%
IRA (3 yr fixed) CD	$100	2.35%	2.30%