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 a 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 5.76% APY)
1.01%
1.01%
0.01 - $50,000
5.61%
5.76%
If requirements are not met
0.10%
0.10%

Certificates Of Deposit
Account Name Minimum Opening
Balance
Minimum Balance
To Earn APY
Interest
Rate
Annual
Percentage
Yield (APY)
Contact a Branch for current rates on other Certificates of Deposit accounts
7-12 Month CD Special $2,500 $2,500 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