Interest Rates

Interest Rates special

DEPOSIT RATES
APY's are accurate as of:
July 2, 2008

Interest Rates for Checking/Savings Accounts: ($50 Minimum to Open) [Rates are variable and may change from time-to-time. Fees may reduce your earnings.]
Rate	APY*	Type of Account	Changed
0.25%	0.25%	Passbook Savings ($100 and up)	03/18/08
0.40%	0.40%	Budget Savings ($20 and up) [$20 minimum to open]	03/18/08
0.40%	0.40%	Youth Account ($20 and up) [$20 minimum to open]	03/18/08
0.40%	0.40%	Smart Savings ($100 and up)	03/18/08
0.40%	0.40%	NOW Checking ($525 and up)	03/18/08
0.40%	0.40%	Super NOW Checking ($525-$2,499)	03/18/08
0.65%	0.65%	Super NOW Checking ($2,500 and up)	03/18/08
0.40%	0.40%	Platinum Savings ($525-$2,499)	03/18/08
0.70%	0.70%	Platinum Savings ($2,500 and up)	03/18/08
0.75%	0.75%	2007-2008 Vacation Club Account [$2 minimum to open]	05/21/07
0.75%	0.75%	2008 Christmas Club Account [$2 minimum to open]	10/22/07
Ask about a .25% increase for Christmas/Vacation Clubs with auto transfers. *APY is an abbreviation for Annual Percentage Yield.

Interest Rates for Time CD's (or IRA's) ($500 Minimum to Open)
$500 - $9,999		$10,000 and up
Rate	APY	Rate	APY	Term of Time CD or IRA	Changed
1.90%	1.92%	2.10%	2.12%	1 Month to 5 Months	07/02/08
2.05%	2.07%	2.25%	2.27%	6 Months to 11 Months	06/11/08
2.30%	2.32%	2.50%	2.52%	12 Months to 23 Months	07/02/08
2.45%	2.47%	2.65%	2.68%	24 Months to 35 Months	06/11/08
2.70%	2.73%	2.90%	2.93%	36 Months to 47 Months	06/11/08
3.15%	3.19%	3.30%	3.34%	48 Months to 59 Months	07/02/08
3.20%	3.24%	3.50%	3.55%	60 Months to 71 Months	07/02/08
3.45%	3.49%	3.65%	3.70%	72 Months and Over	07/02/08
Interest on Time CD's & IRA's is compounded quarterly. Time CD interest checks may be mailed monthly/quarterly or deposited to an SSBBank account monthly/quarterly. Penalty for early withdrawal.

Special
Rate	APY	Minimum to Open	Terms of CD	Changed
2.62%	2.65%	$10,000 or more	9 Months - Time CD or IRA	06/11/08
Interest on Time CD’s and IRA’s is compounded quarterly. Time CD interest checks may be mailed monthly/quarterly or deposited to an SSBBank account monthly/quarterly. Penalty for early withdrawal.

Special IRA Interest Rates
Rate	APY	Minimum to Open	Terms of IRA	Changed
2.50%	2.52%	$50 or More*	18 Month TDOA - Variable Rate	07/02/08
3.50%	3.55%	$500 or More	5 Year Roth - Fixed Rate	07/02/08
3.75%	3.79%	$500 or More	10 Year - Fixed Rate	07/02/08
* Additional deposits of $25 or more are allowed on 18 month IRA TDOA's. Interest on 18 month IRA TDOA's and 5 year Roth IRA's are compounded quarterly. Interest on 10 year IRA's is compounded semi-annually. Penalty for early withdrawal.

LOAN RATES
APR's are accurate as of:
July 2, 2008

Interest Rates for Commercial/Business/Agricultural Loans
Rate	APR	Rate Description	Changed	Types of Borrowers	Fee
5.00%	N/A	JPMORGAN CHASE BANK, N.A. Prime Rate (f/k/a Bank One)	04/30/08	Commercial & Agricultural	$149 min.
6.60%	N/A	SSBBank Base Rate	05/01/08	Commercial & Agricultural	$149 min.

Interest Rates for Personal Revolving Lines of Credit (Rates are variable and may change from time-to-time.)
Rate	APR	Type of Loan	Changed	Monthly Pmnt.	LTV	Fee
6.25%	6.25%	Home Equity Line of Credit Variable 1.25% Over Wall Street Journal Prime (Ceiling: 18%)	05/01/08	2% of Balance	90%	$0
NOTE: New Home Equities have a "Floor Rate" of 6.00%
8.75%	8.75%	Easy Line - Unsecured (Ceiling: 18%)	04/01/08	2% of Balance	N/A	$0

Interest Rates for Consumer Loans (All Consumer Loan APR's Based on $15,000 Loan.) Ask about a .25% interest reduction for consumer loans with auto deductions.
Rate	APR	Type of Loan	Changed	Max. Term	LTV	Fee
5.50%	6.01%	Car/Truck: New 2008 or 2007	03/18/08	48 Months	90%	$125
5.50%	5.93%	Car/Truck: New 2008 or 2007	03/18/08	60 Months	90%	$125
6.00%	6.41%	Car/Truck: New 2008 or 2007	03/18/08	66 Months	90%	$125
6.75%	7.15%	Car/Truck: New 2008 or 2007	03/18/08	72 Months	90%	$125
6.00%	6.44%	Car/Truck: Used 2007	03/18/08	60 Months	90%	$125
6.20%	6.62%	Car/Truck: Used 2007	03/18/08	66 Months	90%	$125
6.30%	6.75%	Car/Truck: Used 2006 or 2005	03/18/08	60 Months	90%	$125
7.20%	7.66%	Car/Truck: Used 2004	03/18/08	60 Months	90%	$125
7.50%	8.01%	Car/Truck: Used 2003	03/18/08	54 Months	90%	$125
7.80%	8.41%	Car/Truck: Used 2002 or Older	03/18/08	42 Months	90%	$125
7.30%	7.75%	2nd Mortgage on Residence	03/18/08	120 Months	90%	$225
8.50%	9.12%	Vacant Land - 3 Yr Bl/15 Yr Amrt	03/18/08	36 Months	***	1.25%
*** LTV's of 65.01% to 89.99% may be approved but must be specially reported.
8.40%	8.97%	Retail Consumer Goods	03/18/08	48 Months	80%	$125
9.25%	9.58%	New Mobile Home	01/22/08	120 Months	80%	$125
9.75%	10.16%	Used Mobile Home	01/22/08	84 Months	80%	$125
9.00%	9.50%	Personal/Unsecured	03/18/08	60 Months*	N/A	$125
* Loans less than $3,500 will not normally have a maturity of over 36 months.
NOTE: Loan interest rates/APR's are available to qualified borrowers and are subject to credit review and approval. Your rate may vary based upon your credit score.

MORTGAGE RATES
APR's are accurate as of:
July 2, 2008

Interest Rates for Residential Mortgages (All Mortgage Loan APR's Based on $150,000 Loan.)
Rate	APR	Type of Loan	Changed	Max. Term	LTV	Fee
8.00%	10.92%	6 Month Construction/Monthly Interest Payments	01/22/08	6 Months	80%	$995
5.75%	5.97%	5 Year Balloon/30 Year Amort.	03/18/08	5 Years	80%	$825
6.10%	6.27%	10 Year Balloon/30 Year Amort.	01/22/08	10 Years	80%	$825
6.25%	6.47%	Low Down Payment 5 Year Balloon/30 Year Amort.	03/18/08	5 Years	***	$825
*** LTV's of 80.01% to 89.99% may be approved but must be specially reported.
5.95%	6.16%	10 Year Fixed Rate	01/22/08	10 Years	80%	$825
8.00%	8.57%	Land/Singlewide Mobile Home 5 Year Balloon/20Year Amort.	01/22/08	5 Years	80%	1.75%
15 & 30 Year fixed rate mortgages have interest rates set by the market - please call for the current rate, fee and terms.
NOTE: Loan interest rates/APR's are available to qualified borrowers and are subject to credit review and approval. Your rate may vary based upon your credit score.