Current Rates

DEPOSIT RATES

Account	Interest Rate	Annual Percentage Yield
CHECKING
Interest Gold NOW	0.10%	0.10%
Premium Gold
$1,500-$2,499.99	0.10%	0.10%
$2,500 - $49,999.99	0.15%	0.15%
$50,000 - $99,999.99	0.25%	0.25%
$100,000 - $199,999.99	0.30%	0.30%
>= $200,000.00	0.35%	0.35%
Money Market Gold
$0-$9,999.99	0.15%	0.15%
$10,000-$49,999.99	0.20%	0.20%
$50,000-$99,999.99	0.30%	0.30%
$100,000.00-$499,999.99	0.40%	0.40%
$500,000.00-$999,999.99	0.45%	0.45%
$1,000,000.00-$1,499,999.99	0.50%	0.50%
> = $1,500,000.00	0.50%	0.50%
Covenant Club	0.10%	0.10%
Covenant Gold	0.10%	0.10%
Inspired Checking NEW
$ .01 - $24,999.99	1.60%	1.61%
on portion > = $25,000.00	0.50%	0.50%
* non-qualifying accounts*	0.10%	0.10%
SAVINGS
Covenant Savings	0.10%	0.10%
Covenant Christmas Club	0.00%	0.00%
CERTIFICATES OF DEPOSIT (minimum deposits $1,000)
7-31 Day CD	0.15%	0.15%
3 Month CD	0.20%	0.20%
6 Month CD	0.35%	0.35%
9 Month CD	0.45%	0.45%
12 Month CD	0.55%	0.55%
2 Year CD	0.75%	0.75%
3 Year CD	1.00%	1.00%
4 Year CD	1.25%	1.25%
5 Year CD	1.50%	1.50%
18 Month TDOA CD ($500.00 Min. Deposit)	0.65%	0.65%
IRAS
12 Month IRA	0.55%	0.55%
2 Year IRA	0.75%	0.75%
3 Year IRA	1.00%	1.00%
4 Year IRA	1.25%	1.25%
5 Year IRA	1.50%	1.50%
CD SPECIALS TO BE ANNOUNCED