Certificates of Deposit* (Effective: August 22, 2008)
Program	Term	Minimum Daily Balance to earn APY	APY
Fixed Rate CDs	5 months	$1,000.00	2.400%
	7 months	$1,000.00	2.850%
	9 months	$1,000.00	3.000%
	10 months	$1,000.00	3.500%
	15 months	$1,000.00	3.250%
	2 years	$1,000.00	3.400%
	3 years	$1,000.00	3.400%
15 Month Stepped Rate CD** ((First 9 Months interest rate 3.00%. Remaining 6 Months interest rate 4.00%.)	15 months	$1,000.00	3.450%
Individual Retirement Account Only	24 months	$1,000.00	3.400%
*For all accounts except Fixed Rate Certificates of Deposit, Annual Percentage Yield (APY)and Interest Rates may change after account opening unless otherwise disclosed here or elsewhere. Product offerings may be withdrawn at any time. Fees and other conditions may reduce earnings on accounts; ask for details. For other terms and conditions, please refer to account disclosures available at account opening and upon request. A penalty may be imposed for early withdrawals. $1,000.00 minimum deposit required to open account. ** The Annual Percentage Yield reflects both interest rates at the time of maturity.

Consumer Savings and Money Market Accounts* (Effective: August 22, 2008)
Program	Minimum Daily Balance to earn APY	APY
Advantage Savings	$10   0.400 % $10,000   2.250 %
Special High Yield Savings **	$10   0.400 % $10,000   1.750 % $25,000   2.000 %
Special Select Banking Package - Savings Account (Please note: Rates are .25% lower for customers who choose not to sign-up for direct deposit to a Select Banking Package Checking Account. Checking account does not earn interest.)	$10   1.250 % $25,000   1.750 % $50,000   2.000 %
Relationship Savings	$10   0.400 % $1,000   1.500 %
i Save Club	$10.00	2.500%
Statement Savings	$10.00	0.400%
Money Market Deposit	$10.00	0.400%
Money Market Management ***	$10   0.400 % $5,000   0.650 %
Passbook Savings	$10.00	0.400%
*For all accounts except Fixed Rate Certificates of Deposit, Annual Percentage Yield (APY)and Interest Rates may change after account opening unless otherwise disclosed here or elsewhere. Product offerings may be withdrawn at any time. Fees and other conditions may reduce earnings on accounts; ask for details. For other terms and conditions, please refer to account disclosures available at account opening and upon request. $10.00 minimum deposit required to open account unless otherwise noted. **$10,000.00 minimum deposit required to open account unless otherwise noted. ***$1,000.00 minimum deposit required to open account unless otherwise noted.

Consumer Checking* (Effective: August 22, 2008)
Program	Minimum Daily Balance to earn APY	APY
Connection Checking **	$10.00	2.000%
NOW Checking	$10.00	0.100%
*For all accounts except Fixed Rate Certificates of Deposit, Annual Percentage Yield (APY)and Interest Rates may change after account opening unless otherwise disclosed here or elsewhere. Product offerings may be withdrawn at any time. Fees and other conditions may reduce earnings on accounts; ask for details. For other terms and conditions, please refer to account disclosures available at account opening and upon request. $10.00 minimum deposit required to open account unless otherwise noted. **There is no minimum balance requirement to open this account.

Non-Consumer/Business Checking and Savings* (Effective: August 22, 2008)
Program	Minimum Daily Balance to earn APY	APY
Business Select Banking	$10   0.500 % $25,000   1.000 % $50,000   1.500 % $100,000   1.750 %
Business Advantage Savings	$10   0.400 % $10,000   2.250 %
Business Money Market Management **	$10   0.400 % $25,000   0.500 % $50,000   1.000 % $100,000   1.500 %
Business Money Market Deposit	$10.00	0.400%
*For all accounts except Fixed Rate Certificates of Deposit, Annual Percentage Yield (APY)and Interest Rates may change after account opening unless otherwise disclosed here or elsewhere. Product offerings may be withdrawn at any time. Fees and other conditions may reduce earnings on accounts; ask for details. $10.00 minimum deposit to open account unless otherwise noted. **$10,000.00 minimum deposit required to open account unless otherwise noted.

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To find out how we can help you, please stop by any branch office, complete our information request form or give us a call at 1.866.354.ECSB (3272).