Current Rates

Deposit Rates | Lending Rates

Selected Deposit Account Rates and
Information as of May 14th, 2008

Account Name	Minimum Balance To Open	Minimum Balance To Earn APY	Interest Rates	Annual Percentage Yield
SIX MONTH CD	$500	$500	3.34%	3.40%
ANNIVERSARY CD 12-Month Term	$500	$500	3.30%	3.35%
18 Month CD	$500	$500	3.25%	3.30%
CD+PLUS 12 month term	$500	$500	1.40%	1.41%
CD+PLUS 12 month term	$500	$2,500	1.50%	1.51%
CD+PLUS 12 month term	$500	$5,000	1.60%	1.61%
CD+PLUS 12 month term	$500	$10,000	1.70%	1.71%
18 MONTH RETIREMENT	$25	$25	3.06%	3.15%
18 MONTH RETIREMENT	$25	$2,500	3.11%	3.20%
18 MONTH RETIREMENT	$25	$5,000	3.15%	3.25%
18 MONTH RETIREMENT	$25	$10,000	3.20%	3.30%
IMMA	$1,000	$1,000	1.47%	1.50%
PASSBOOK SAVINGS	$1	$1	1.32%	1.35%
BETTER THAN FREE CHECKING	$100	$1,000	0.39%	0.40%
PREFERRED CHECKING	$5,000	$5,000	2.80%	2.80%

Annual Percentage Yield assumes reinvestment of interest earned at the stated rate. Rates subject to change without notice. Substantial penalty for early withdrawal may apply for term deposits. Fees may reduce earnings. New accounts limited to Washington State residents. For information on opening a new account as an out-of-state resident call us toll-free at 1-800-331-3225.

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Loan Rates as of May 14th, 2008
Fixed Rate Mortgage Loans

Loan Type/ Purpose	Rate	Down Payment	Loan Fee	Annual Percentage Rate (APR)*
30 Year Fixed Rate
Purchase	6.000%	3%	1.00%	6.121%
Construction	6.000%	5%	1.50%	6.171%
20 Year Fixed Rate
Purchase	5.875%	3%	1.00%	6.034%
Construction	5.875%	5%	1.50%	6.099%
15 Year Fixed Rate
Purchase	5.750%	3%	1.00%	5.949%
Construction	5.750%	5%	1.50%	6.029%

Graduated Equity Mortgage (GEM) Loans

Loan Type/ Purpose	Rate	Down Payment	Loan Fee	Annual Percentage Rate (APR)*
Purchase	5.875%	5%	1.00%	6.030%
Construction	5.875%	5%	1.50%	6.094%

Adjustable Rate Mortgage (ARM) Loans

Loan Type/ Purpose	Rate**	Down Payment	Loan Fee	Annual Percentage Rate (APR)*
11th District Cost of Funds Index
Purchase	6.000%	3%	1.00%	6.147%
Construction	6.000%	5%	1.50%	6.198%

Interest-Only Mortgage Loans***

Loan Type/ Purpose	Rate	Down Payment	Loan Fee	Annual Percentage Rate (APR)
Purchase	6.000%	20%	1.00%	6.113%
Construction	6.000%	20%	1.50%	6.161%

*Annual Percentage Rates calculated assuming a 20% down payment. A $100,000 fixed rate loan for 360 months with a 20% down payment requires a monthly payment of $599.55.

**Adjustable Rate Mortgage interest rates may increase after consumation of the loan.

***A $100,000, 30 year interest-only mortgage with a 5-Year interest-only period, requires an interest-only payment of $500.00 for the first five years. Beginning with the first payment in the 6th year, the monthly payment will increase to a maximum of $644.30 for the remaining 25 years.

Rates quoted for owner-occupied single family residences for amounts to $500,000. Certain terms, conditions and restrictions may apply. Rates are subject to change at any time and are not available in all market areas.

Home Equity Loans*

Loan Type	Rate	Loan Fee	Annual Percentage Rate (APR)
20 Year Fixed Rate	6.250%	0%	6.268%
15 Year Fixed Rate	6.125%	0%	6.148%
10 Year Fixed Rate	6.000%	0%	6.032%
Preferred Line of Credit	CALL FOR RATES

*Quoted rates available with an existing first mortgage held by Yakima Federal or if new equity loan will be a first lien. Other rates and terms available.

A $15,000 fixed rate equity loan for 180 months requires a monthly payment of $127.59.

Loan subject to applicable closing costs. Certain terms, conditions and restrictions may apply. Rates are subject to change at any time and are not available in all market areas.

For more details regarding loan terms and conditions, contact one of our home loan specialists by calling 1-800-331-3225, or visiting the Branch Office nearest you or, if you prefer, you can email us today.

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