Rates

Friday, May 09, 2008

Current rates are accurate and effective as of May 7, 2008 and are subject to change.

CHECKING AND SAVINGS  Account Type   Under $2500 Over $2500 $50,000 & Over Interest Rate APY* Interest Rate APY* Interest Rate APY* Interest Rate APY* IMMIA Personal     0.74% 0.74% 1.17% 1.18% 1.48% 1.49% IMMIA Commercial     0.74% 0.74% 1.17% 1.18% 1.48% 1.49% Progressive     0.50% 0.50% 0.50% 0.50%     Prime Banking     0.50% 0.50% 0.50% 0.50%     50 Grand Account 0.50% 0.50%             Savings 0.75% 0.75%             Investor Savings 1.00% 1.00%

HEALTH SAVINGS ACCOUNTS  Account Type   Under $5000 Over $5000 $10,000 & Over Interest Rate APY* Interest Rate APY* Interest Rate APY* Interest Rate APY* Health Savings     0.74% 0.74% 1.17% 1.18% 1.48% 1.49%

Certificates of Deposit and IRAs may be subject to a penalty for early withdrawal.
* APY - Annual Percentage Yield is determined by CD and interest payment term. PNB discloses APY based upon interest being paid annually.
*** The rate on the 13 Month $5000 CD is for new funds ONLY. Renewals and transfers from other accounts are excluded.

CERTIFICATES OF DEPOSIT  Account Type   $1000 to $2499** $2500 & Over** $50,000 & Over** Interest Rate APY* Interest Rate APY* Interest Rate APY* Interest Rate APY* 7-29 Days         1.00% 1.00% 1.00% 1.00% 30-59 Days         1.10% 1.11% 1.10% 1.11% 60-89 Days         1.10% 1.11% 1.10% 1.11% 90-181 Days         2.35% 2.36% 2.35% 2.36% 182-364 Days         2.60% 2.60% 2.60% 2.60% 12 - 17 Months         2.60% 2.60% 2.60% 2.60% 18 - 23 Months         2.60% 2.60% 2.60% 2.60% 24 - 35 Months         2.60% 2.60% 2.60% 2.60% 36 - 47 Months         3.00% 3.00% 3.00% 3.00% 48 - 59 Months         3.00% 3.00% 3.00% 3.00% 60+ Months         3.00% 3.00% 3.00% 3.00% 6 Month IRA 2.60% 2.60%             12 Month IRA 2.60% 2.63%             18 Month IRA 2.60% 2.63%             30 Month IRA 2.60% 2.63%             36 Month IRA 3.00% 3.05%             48 Month IRA 3.00% 3.05%             18 Month Variable IRA 2.60% 2.58%

Interest Rates are good thru the week of April 22nd to April 29th. Please call 985-898-5400 to speak directly to a mortgage lender in your area and for updated rates.

MORTGAGE RATES  Account Type   Interest Rate Discount Orig. APR* Jumbo 30 Yr Fixed Rate***         7.500% 7.500% 1.000% 7.7900% FHA 30 Year Fixed         5.875% 5.875% 0.000% 6.6850% Conventional 15 Yr Fixed Rate**         5.750% 5.750% 0.000% 5.8100% Conventional 30 Yr Fixed Rate**         6.000% 6.000% 0.000% 6.0360% Jumbo 15 Yr Fixed Rate***         7.250% 7.250% 1.000% 7.4340%

* Annual Percentage Rate

** Loans greater than $90,000.00, but less than or equal to $417,000 with a Loan-to-Value ratio less than or equal to 80%

*** Loans totaling $417,000- $700,000.00 with a Loan-to-Value ratio less than or equal to 80% Quoted rates are for a 30 day delivery rate, loans must be closed and funded, including rescission period on refinanced loans, on or before the rate lock expiration date. In order to lock into an interest rate, you must submit an application and execute a Rate Lock Agreement. Rates are subject to change at any time.