Haven Savings Bank

Deposit Rates

effective:01/06/2009
Rates subject to change without notice.
Available to New Jersey Residents Only

Certificates Of Deposit

(If any principal is withdrawn before the maturity date, a penalty will be imposed which may result in partial loss of principal.)

Account Type	Interest Rate	Annual Percentage Yield (APY*)	Compounding Method	Min. Bal. to Open	Min. Bal. To Obtain APY*
3 Month CD	2.47%	2.50%	Continuous	$2,500	$2,500
6 Month CD	3.10%	3.15%	Continuous	$500	$500
8 Month CD	2.47%	2.50%	Continuous	$500	$500
9 Month CD	2.47%	2.50%	Continuous	$500	$500
10 Month CD	2.71%	2.75%	Continuous	$500	$500
12 Month CD	2.96%	3.00%	Continuous	$100	$100
15 Month CD	2.96%	3.00%	Continuous	$100	$100
18 Month CD	2.96%	3.00%	Continuous	$100	$100
24 Month CD	3.30%	3.35%	Continuous	$100	$100
30 Month CD	3.44%	3.50%	Continuous	$100	$100
36 Month CD	3.44%	3.50%	Continuous	$100	$100
42 Month CD	3.44%	3.50%	Continuous	$100	$100
5 & 10 Year CD	3.44%	3.50%	Continuous	$100	$100
18 Month IRA CD	3.25%	3.35%	Continuous	$250	$250

(The rate may change after the account is opened. Fees may reduce earnings on the account.)

Account Type	Interest Rate	Annual Percentage Yield (APY*)	Compounding Method	Min. Bal. to Open	Min. Bal. To Obtain APY*
N.O.W. Checking	0.49%	0.50%	Daily	$100	$100
Super N.O.W Checking	1.00%	1.00%	Simple	$1000	$1000

(The rate may change after the account is opened. Fees may reduce earnings on the account.)

Account Type	Interest Rate	Annual Percentage Yield (APY*)	Compounding Method	Min. Bal. to Open	Min. Bal. To Obtain APY*
Passbook Savings Account	0.98%	1.00%	Continuous	$50	$50
Money Market Account	1.00%	1.00%	Simple	$1,000	$1,000
Step-Up Money Market:
$5,000 -$24,999	1.00%	1.00%	Daily	$5,000	$5,000
$25,000 and up	2.23%	2.25%	Daily	$5,000	$25,000

*Annual Percentage Yield