Interest Rates

Interest Rates special

DEPOSIT RATES
APY's are accurate as of:
May 8, 2009

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
0.20%	0.20%	Passbook Savings ($100 and up)	03/19/09
0.20%	0.20%	Budget Savings ($20 and up) [$20 minimum to open]	03/19/09
0.20%	0.20%	Youth Account ($20 and up) [$20 minimum to open]	03/19/09
0.20%	0.20%	Smart Savings ($100 and up)	03/19/09
0.20%	0.20%	NOW Checking ($525 and up)	03/19/09
0.20%	0.20%	Super NOW Checking ($525-$2,499)	03/19/09
0.30%	0.30%	Super NOW Checking ($2,500 and up)	03/19/09
0.20%	0.20%	Platinum Savings ($525-$2,499)	03/19/09
0.35%	0.35%	Platinum Savings ($2,500 and up)	03/19/09
0.15%	0.15%	2009-2010 Vacation Club Account [$2 minimum to open]	05/08/09
0.50%	0.50%	2009 Christmas Club Account [$2 minimum to open]	10/17/08
Ask about a .10% interest rate increase for Christmas Clubs/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
0.45%	0.45%	0.70%	0.70%	1 Month to 5 Months	05/08/09
0.65%	0.65%	0.90%	0.90%	6 Months to 11 Months	05/08/09
1.15%	1.15%	1.40%	1.40%	12 Months to 23 Months	05/08/09
1.75%	1.76%	2.00%	2.02%	24 Months to 35 Months	02/03/09
2.00%	2.01%	2.25%	2.27%	36 Months to 47 Months	02/03/09
2.35%	2.36%	2.60%	2.62%	48 Months to 59 Months	05/08/09
2.75%	2.78%	3.00%	3.03%	60 Months to 71 Months	02/03/09
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
1.00%	1.00%	$15,000 or more	9 Months - Time CD or IRA	05/08/09
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 Rate Limited Time Interest Rate Bonus

We are offering an additional 0.25% to the ABOVE rates for any NEW IRA opened from February 1, 2009 through April 15, 2009.

Special IRA Interest Rates
Rate	APY	Minimum to Open	Terms of IRA	Changed
1.40%	1.41%	$50 or More*	18 Month TDOA - Variable Rate	05/08/09
2.75%	2.78%	$500 or More	5 Year Roth - Fixed Rate	02/03/09
3.25%	3.27%	$500 or More	10 Year - Fixed Rate	05/08/09
* 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:
May 8, 2009

Interest Rates for Commercial/Business/Agricultural Loans
Rate	APR	Rate Description	Changed	Types of Borrowers	Fee
3.25%	N/A	JPMORGAN CHASE BANK, N.A. Prime Rate (f/k/a Bank One)	12/16/08	Commercial & Agricultural	$149 min.
6.05%	N/A	SSBBank Base Rate	03/19/09	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
4.50%	4.50%	Home Equity Line of Credit Variable 1.25% Over Wall Street Journal Prime (Ceiling: 18%)	01/01/09	2% of Balance	90%	$0
NOTE: New Home Equities have a "Floor Rate" of 6.00%
8.25%	8.25%	Easy Line - Unsecured (Ceiling: 18%)	01/01/09	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
5.75%	6.25%	Car/Truck: New 2009 or 2008	01/07/09	48 Months	90%	$125
5.75%	6.17%	Car/Truck: New 2009 or 2008	01/07/09	60 Months	90%	$125
6.30%	6.70%	Car/Truck: New 2009 or 2008	01/07/09	66 Months	90%	$125
7.05%	7.44%	Car/Truck: New 2009 or 2008	01/07/09	72 Months	90%	$125
6.15%	6.59%	Car/Truck: Used 2008	03/19/09	60 Months	90%	$125
6.35%	6.77%	Car/Truck: Used 2008	03/19/09	66 Months	90%	$125
6.40%	6.85%	Car/Truck: Used 2007 or 2006	03/19/09	60 Months	90%	$125
7.30%	7.76%	Car/Truck: Used 2005	03/19/09	60 Months	90%	$125
7.60%	8.11%	Car/Truck: Used 2004	03/19/09	54 Months	90%	$125
7.90%	8.51%	Car/Truck: Used 2003 or Older	03/19/09	42 Months	90%	$125
7.75%	8.20%	2nd Mortgage on Residence	01/07/09	120 Months	90%	$225
8.65%	9.20%	Retail Consumer Goods	01/07/09	48 Months	80%	$125
9.60%	10.09%	Personal/Unsecured	01/07/09	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:
May 8, 2009

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
4.95%	5.15%	5 Year Balloon/30 Year Amort.	03/19/09	5 Years	80%	$825
5.35%	5.51%	10 Year Balloon/30 Year Amort.	03/19/09	10 Years	80%	$825
5.45%	5.66%	Low Down Payment 5 Year Balloon/30 Year Amort.	03/19/09	5 Years	***	$825
*** LTV's of 80.01% to 89.99% may be approved but must be specially reported.
5.25%	5.45%	10 Year Fixed Rate	03/19/09	10 Years	80%	$825
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.