Deposits

Savings Rates Effective as of 11.25.08
Certificate Rates	Interest Rate	APY
Minimum balance to open and earn APY $500.00
3 Month Certificate	1.49%	1.50%
6 Month Certificate	2.08%	2.10%
9 Month Certificate	2.23%	2.25%
12 Month Certificate	2.81%	2.85%
18 Month Certificate	2.96%	3.00%
24 Month Certificate	3.20%	3.25%
30 Month Certificate	3.25%	3.30%
36 Month Certificate	3.40%	3.45%
48 Month Certificate	3.54%	3.60%
60 Month Certificate	3.69%	3.75%
IRA Accounts	Interest Rate	APY
Minimum balance to open and earn APY $500.00
3 Month Certificate	1.49%	1.50%
6 Month Certificate	2.08%	2.10%
9 Month Certificate	2.23%	2.25%
12 Month Certificate	2.81%	2.85%
18 Month Certificate	2.96%	3.00%
18 Month Variable Certificate	1.60%	1.61%
24 Month Certificate	3.20%	3.25%
30 Month Certificate	3.25%	3.30%
36 Month Certificate	3.40%	3.45%
48 Month Certificate	3.54%	3.60%
60 Month Certificate	3.69%	3.75%
Passbook Savings/Statement Savings	Interest Rate	APY
Minimum Balance to open and earn APY $50.00
Tier I Minimum Balance to earn APY $50.00 - $2,499.99	0.40%	0.40%
Tier II Minimum Balance to earn APY $2,500.00 to $49,999.99	0.70%	0.70%
Tier III Minimum Balance to earn APY $50,000.00 and Over	1.00%	1.00%
Health Savings Account	Interest Rate	APY
Tier I Minimum Balance to earn APY $50.00-$999.00	1.00%	1.00%
Tier II Minimum Balance to earn APY $1,000.00-$4999.00	1.98%	2.00%
Tier III Minimum Balance to earn APY $5,000.00 and Over	2.96%	3.00%
NOW Checking Minimum to open $50.00
Tier I Minimum Balance to earn APY $50.00-$999.00	0.10%	0.10%
Tier II Minimum Balance to earn APY $1,000.00-$9,999.00	0.20%	0.20%
Tier III Minimum Balance to earn APY $10,000.00 and Over	0.25%	0.25%
Money Market Account Minimum to open $1,000.00
Tier I Minimum Balance to earn APY $9,999.99 and Under	0.50%	0.50%
Tier II Minimum Balance to earn APY $10,000.00-$49,999.99	1.49%	1.50%
Tier III Minimum Balance to earn APY $50,000.00-$99,999.99	1.98%	2.00%
Tier IV Minimum Balance to earn APY $100,000.00-$149,999.99	2.28%	2.30%
Tier V Minimum Balance to earn APY $150,000.00 and Over	2.47%	2.50%

Any annual percentage yields (APY) provided above assumes interest will remain on deposit until maturity or for one year for accounts with maturities of less than one year. Interest will be compounded and credited monthly. Withdrawals and fees could reduce earnings on an account. Certificates of Deposit and IRA accounts may have a penalty imposed for early withdrawal. Rates are subject to change without notice. Interest rates on variable rate accounts may change after the account is opened. Account disclosures provided at the time an account is opened will provide additional information. *Requires a Naugatuck Savings Bank Checking Account. Please contact us for more details.

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