Review this page for our latest rates paid on money markets, interest checking and CD’s.

Our mortgage rates are featured on the bottom half of this page with information on fixed rate and adjustable rate mortgages as well as our home equity rates.

DEPOSIT RATES
Effective May 7 - May 13, 2008

Prime Pick Money Market Account 4
Balance Interest Rate APY (%)
$5,000 - $49,999.99 25% of Prime Rate 1.26%
$50,000 - $99,999.99 50% of Prime Rate 2.53%
$100,000 and above 55% of Prime Rate 2.78%

Optima, Performance & Advantage Checking 1,2
Balance APY (%) Minimum Opening Balance
$100,000 and above 1.21% $50.00
$25,000 - $99,999.99 0.70%
$7,500 - $24,999.99 0.51%
$2,500 - $7,499.99 0.21%

Certificates of Deposit 3
Term/Type APY (%) Minimum Opening Balance
9 Month No Penalty CD 2.05% $2,500
7 Month CD 2.53% $500
12 Month CD 2.78% $500
18 Month CD 2.89% $500
60 Month CD 3.30% $500
60 Month Fixed IRA 3.30% N/A

APY = Annual Percentage Yield
1 The interest rate may change after the account is opened.
2 Fees may reduce earning on account.

3 You may have to pay a penalty for early withdrawal.

4Brokered deposits and public funds not accepted. As prime rate changes, the rates on this account will also change. These margins will be in effect for 3 years from account opening, at which time rates will change at the banks discretion. Fees could reduce earnings. A penalty will be imposed for early closing of this account. Rates shown here apply to accounts opened 04/25/07 and after. For rates on accounts opened prior to 04/25/07, please contact us.


Mortgage Rates
Effective through 11:00am May 9, 2008. Rates subject to change daily

Fixed Rate Mortgages 1
Term/Type Rate Points APR
30 Year Fixed 6.125% 0.00 pts. 6.125%
30 Year Fixed 6.000% 0.25 pts. 6.020%
30 Year Fixed 5.875% 0.75 pts. 5.940%
20 Year Fixed 6.000% 0.00 pts. 6.000%
20 Year Fixed 5.875% 0.25 pts. 5.910%
20 Year Fixed 5.750% 0.75 pts 5.840%
15 Year Fixed 5.625% 0.00 pts. 5.625%
15 Year Fixed 5.500% 0.25 pts. 5.539%
15 Year Fixed 5.375% 0.75 pts. 5.491%

Adjustable Rate Mortgage 1,2
Type Rate APR Maximum Term
One Year ARM 5.750% 5.773% 30 Years
3/1 Year ARM 5.375% 5.466% 30 Years
5/1 Year ARM 5.750% 5.843% 30 Years

1 APR and monthly payments are based on a $50,000 loan with 20% down. The APR could be different based upon prepaid interest, PMI, and closing costs
2 The APR and payment are subject to increase after closing. Rates caps are 2% Year/ 6% Life. Max LTV is 90%



Second Mortgage & Home Equity Rates
Effective May 7 - May 13, 2008

Second Mortgages 1,2Owner occupied properties only
Type Max Term APR (%) Initial Monthly Payment
1 Year Adjustable Rate 15 Years 6.375% $86.43
3 Year Adjustable Rate 15 Years 7.250% $91.29

Home Equity Credit Lines 3
Owner occupied properties only
Type Term APR (%)
LTV 80% or Less		 APR (%)
LTV > 80%
5 Year - Fixed Rate5 5 Years 5.50% N/A
10 Year - Fixed Rate5 10 Years 6.50% N/A
PrimeTime Home Equity LOC4
   Line > $60,000 10 Years 4.75% 5.75%
   Line $40,000 - $59,999 10 Years 5.00% 6.75%
   Line $20,000 - $39,999 10 Years 6.25% 7.25%
   Line <$20,000 10 Years 6.75% 7.75%

1 APR and monthly payments based on a $10,000 loan. 80% financing available.
2 APR and payment subject to increase after closing.

3 Offer subject to normal credit approval. Home Equity Credit line requires a $100 documentation fee for CNB mortgage customers, which is waived if the credit line is opened at time of a 1st mortgage closing. Non-CNB mortgage customers are required to pay $225 documentation fee. Annual Maintenance fee is waived for the first year. Thereafter the annual maintenance fee will be 0.30% of the average available credit for the year or a flat fee ranging from $50 for lines w/less than $20,000 or as much as $95 for lines opened w/$60,000 or greater available credit. The annual fee will depend on which program you choose. A "Prepayment Penalty" of $250 will be assessed if the loan is paid in full and closed within the first 2 years. Consult tax advisor regarding deductibility of interest. Property insurance is required. A balloon payment may result at maturity. There must be a $5,000 minimum available credit to open the account. Contact loan officer for other options.

4 Maximum LTV is 90%. The interest rate and APR is based on an index plus a margin. The index used is the prime rate as published in the Wall Street Journal. The index rate may vary daily based upon the changes in the prime rate. The maximum APR is 17.5%. The minimum APR that can apply during the line of credit is 5%. For lines opened with $60,000 or greater available credit, the rate will be prime minus 1/4%. For lines opened with $40,000 to $59,999 available credit, the rate will be equal to prime plus 3/4%. For lines opened with $20,000 to $39,999 available credit, the rate will be equal to prime plus 1 1/4%. For lines opened with less than $20,000 available credit, the rate will be equal to prime plus 1 3/4%.

5 Maximum LTV is 80%.
APR = Annual Percentage Rate.

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