Consumer Deposit Rates

Rate information is current as of: May 2, 2008

Rates are subject to change without notice. Please read the Information Concerning Your Personal Accounts brochure for complete account details.

Checking Accounts

Product	Minimum Balance	Interest Rate	Annual Percentage Yield	Minimum Opening Deposit
Beyond Free Checking	N/A	N/A	N/A	N/A
Beyond Rewards Checking*	N/A	0.25%	0.25%	N/A

*Monthly fee waived with combined minimum daily balances in all deposit and loan accounts of $20,000.

Savings Accounts

Product	Minimum Balance	Interest Rate	Annual Percentage Yield	Minimum Opening Deposit
Beyond Savings*	$0 - $2,499	0.45%	0.45%	$0
	$2,500 - $4,999	0.35%	0.35%	$0
	$5,000 - $9,999	0.40%	0.40%	$0
	$10,000+	0.50%	0.50%	$0
Beyond Rewards Savings**	$0-$4,999	1.00%	1.00%	$0
Beyond Rewards Savings**	$5,000+	2.96%	3.00%	$0

*Monthly maintenance fee applies if below minimum balance of $250 and a debit transaction is made to the account during the statement cycle. **Beyond Rewards Checking account required.

Club Accounts

Product	Minimum Balance	Interest Rate	Annual Percentage Yield	Minimum Opening Amount
Christmas Club	N/A	1.49%	1.50%	$10
Winter Vacation Club	N/A	1.49%	1.50%	$10
Summer Vacation Club	N/A	1.49%	1.50%	$10
Back to School Club	N/A	1.49%	1.50%	$10

Money Market Account

Product	Minimum Balance	Interest Rate	Annual Percentage Yield	Minimum Opening Deposit
Beyond Money Market*	$2,500 - $24,999	1.00%	1.00%	$2,500
	$25,000 - $49,999	1.29%	1.30%
	$50,000 - $74,999	1.49%	1.50%
	$75,000+	1.98%	2.00%
Beyond Rewards Money Market**	$10,000 - $24,999	1.98%	2.00%	$2,500
	$25,000 - $49,999	1.98%	2.00%
	$50,000 - $74,999	2.47%	2.50%
	$75,000+	2.47%	2.50%

*Accounts earn interest for each day that the $2,500 minimum daily balance is maintained.

**Accounts earn interest for each day that the $10,000 minimum daily balance is maintained. If you have a Beyond Rewards Checking Account with direct deposit or a mortgage with St. Mary's, you are eligible to open a Beyond Rewards Money Market Account.

Monthly maintenance fee applies if below minimum balance.

Fees may reduce the earnings on all of the above accounts.

Certificates Of Deposit (CDs)

Product	Interest Rate*	Annual Percentage Yield	Minimum Opening Deposit
6 - 11 Month	2.47%	2.50%	$500
12 - 23 Month	2.47%	2.50%	$500
24 - 35 Month	2.47%	2.50%	$500
36 - 47 Month	2.47%	2.50%	$500
48 - 59 Month	2.71%	2.75%	$500
60+ Month	2.96%	3.00%	$500
IRA Savings	1.14%	1.15%	$10
6 - 11 Month Fixed Rate	2.47%	2.50%	$500
12 - 23 Month Fixed Rate	2.47%	2.50%	$500
24 - 35 Month Fixed Rate	2.47%	2.50%	$500
2 year Variable Rate	1.54%	1.55%	$500
36 - 47 Month Fixed Rate	2.47%	2.50%	$500
48 - 59 Month Fixed Rate	2.71%	2.75%	$500
60 + Month Fixed Rate	2.96%	3.00%	$500

*Interest rates for CD IRAs, except for the 2 year Variable Rate IRA, are guaranteed from time of purchase to maturity. Subject to penalty for early withdrawal.