Interest rates current as of 10/11/2008


Checking / Savings
Account Name Minimum Opening
Balance
Minimum Balance
To Earn APY
Interest
Rate
Annual
Percentage
Yield (APY)
Contact the Branch for current rates on our deposit accounts
Provident FlexPremium Checking
$1,000
$100,000 - UP
2.52%
2.55%
$25,000.00 - $99,999.99
2.42%
2.45%
$10,000.00 - $24,999.99
2.13%
2.15%
$1,000.00 - $9,999.99
0.15%
0.15%
$0 - $999.99
0.00%
0.00%
Provident Dream Checking
$100
$50,000.01-Up (blended rate with other tier)
1.01%
1.01%
$0.01 - $50,000
5.61%
5.76%
If requirements are not met each cycle
0.10%
0.10%

Certificates Of Deposit
Account Name Minimum Opening
Balance
Minimum Balance
To Earn APY
Interest
Rate
Annual
Percentage
Yield (APY)
Contact the Branch for current rates on other Certificates of Deposit accounts
7-12 Month CD Special $2500 $2500 4.14 4.20
13-22 Months CD Special with relationship $2,500 $2,500 4.23% 4.30%

A penalty may be imposed for early withdrawal - Any fee could reduce earnings
*Rates may change after the account is opened - Rates subject to change