MONEY MARKET SAVINGS¹ (Statement Account)

Type of Account	Minimum Deposit To Open	Interest Rate	Annual Percentage Yield (APY)	Effective Dates
Premier Money Market Savings	$1,000.00			5/7/08 - 5/20/08
If your account balance is:
$0 - $999.99		0.85	0.85
$1,000.00 - $9,999.99		1.00	1.01
$10,000.00 - $19,999.99		1.05	1.06
$20,000.00 - $39,999.99		1.20	1.21
$40,000.00 - $79,999.99		1.45	1.46
$80,000.00+		1.60	1.61
American Eagle Money Market Account	$20,000.00			5/7/08 - 5/20/08
If your account balance is:
$0 - $19,999.99		1.19	1.20
$20,000.00 - $39,999.99		1.88	1.90
$40,000.00 - $79,999.99		1.98	2.00
$80,000.00 - $199,999.99		2.18	2.20
$200,000.00 - $299,999.99		2.32	2.35
$300,000.00 - $499,999.99		2.52	2.55
$500,000.00+		2.71	2.75

¹ Interest rates and Annual Percentage Yield (APY) may change after account opening.

INDIVIDUAL RETIREMENT ACCOUNTS *

Type of Account	Minimum Deposit To Open	Interest Rate	Annual Percentage Yield (APY)	Effective Dates
Traditional IRA
18 Month/Variable Rate	$50.00	3.25	3.30	thru 6/30/08
ROTH/Traditional IRA	$50.00			5/7/08 - 5/20/08
1 Year Fixed Rate
If your account balance is:
$50.00 - $19,999.99		2.96	3.00
$20,000.00 - $39,999.99		3.10	3.15
$40,000.00+		3.25	3.30

"READY WHEN YOU ARE" SAVINGS CERTIFICATES * Rates Effective 5/7/08 - 5/20/08

TERM	Minimum Deposit/Balance	Interest Rate	Annual Percentage Yield (APY)	Premium Rate $20,000.00 +	Annual Percentage Yield (APY)
3 Months up to 6 Months	$1,000.00	1.98	2.00	2.18	2.20
6 Months up to 1 Year	$1,000.00	2.13	2.15	2.32	2.35
1 Year up to 2 Years	$1,000.00	2.18	2.20	2.37	2.40
2 Years up to 3 Years	$1,000.00	2.42	2.45	2.62	2.65
3 Years up to 4 Years	$1,000.00	2.91	2.95	3.10	3.15
4 Years up to 5 Years	$1,000.00	3.05	3.10	3.25	3.30
5 Years up to 6 Years	$1,000.00	3.25	3.30	3.44	3.50

CERTIFICATE SPECIALS *
Special Certificate Rates Effective 5/7/08 - 5/20/08

9 months $1,000 min 2.66% 2.70 APY

25 months $1,000 min 3.05% 3.10 APY

Contact a customer service representative for further information at 1-406-442-3080. Fees could reduce the earnings on the account. Interest compounded daily on every account dollar, including the minimum balance requirement.

* A substantial penalty is assessed on funds withdrawn prior to maturity on time deposit accounts.

MORTGAGE RATES Rates effective 05/09/08

Type of Loan	30 Year	Annual Percentage Rate (APR)	15 Year	Annual Percentage Rate (APR)
Conventional	5.750	5.868	5.250	5.446
Bi-Weekly	6.375	6.500	5.375	5.588
FHA	5.875	Not Available at this time	5.250	5.760

American Federal has many loan programs and very competitive rates that change frequently. Please call any of our locations for an updated rate quote that will fit your particular loan needs.

Down payment information: Typically, for "conventional" and "bi-weekly" 15 or 30 year loans require a 20% minimum down payment. However, with private mortgage insurance the percentage of down payment can be significantly reduced. The down payment for a 15 year or 30 year FHA loan is a minimum 3%.

Payment period: The 30 year conventional and FHA loans includes 360 monthly payments. The 15 year conventional and FHA loans includes 180 monthly payments. The 15 year bi-weekly loan includes approximately 338 payments every two weeks. The 30 year bi-weekly loan includes approximately 598 payments every two weeks.