Consumer Rates effective June 13, 2008. Subject to change without notice.

Consumer Loan Rates

Loan Type Interest Rate APR* Terms (in months)+ Monthly Payment per $1,000 New Car ++** 5.74% 5.74% 48 $23.36 Used Car ++** 6.44% 6.44% 60 $19.53 Personal Unsecured ** 9.25% 9.25% 60 $20.88 Personal Secured with Passbook or CD ** 7.25% 7.25% 60 $19.91 Priority Plus Credit +++ Prime + 2% Prime + 2% Revolving N/A Fixed Rate Home Equity Loan** 6.25% 6.25% 60 $19.44 Flex Equity Line of Credit *** Prime - 0.25% Prime - 0.25% 240 N/A New York Energy Smart Loan Fund**** 2.25% 2.25% 60 $17.63

* APR = Annual Percentage Rate. The APR you receive may be different than the rates disclosed above based on past credit history. Contact us to determine the rate for which you qualify and to obtain further details.

** The stated rate is discounted by .25% and includes a requirement that loan payments are automatically deducted from a Rhinebeck Savings Bank checking or savings account.

*** The APR is variable. Rate effective 5/01/2006 and subject to change. As of 05/01/2008 Prime - 0.25% would result in an APR of 4.75%. The maximum rate possible during the term of the loan would be 6% over the initial rate.

**** These rates represent a 4% "buy down" that is available through the New York Energy Smart Loan Fund Program. The stated rate is discounted by .25% and includes a requirement that loan payments are automatically deducted from a Rhinebeck Savings Bank checking or savings account.

+ Other terms are available. Contact us for further details.

++ The Lender may require Vendor's Single Interest Insurance for all automobile loans. The borrower may choose the person through whom Vendor's Single Interest Insurance is to be obtained. This insurance is for the sole protection of the Lender and the borrower's interest is not covered. If obtained through the Lender, the cost of such insurance is $50.00. This amount may affect your monthly payment and APR.

+++ The APR is variable. Rate effective 02/07/2005 and subject to change. As of 05/01/2008 Prime + 2% would result in an APR of 7.00%



Mortgage Rates effective July 2, 2008. Subject to change without notice.

Mortgage Loan Rates

Loan Type Interest Rate APR* Term + (in months) Points Monthly Payment per $1,000 15-YR Conforming Fixed Rate++ 6.125% 6.234% 180 0 $8.51 20-YR Conforming Fixed Rate++ 6.500% 6.588 240 0 $7.46 30-YR Conforming Fixed Rate++ 6.625% 6.692% 360 0 $6.40 Construction Loan CONTACT US FOR FURTHER DETAILS SONYMA 5.750% 5.750% 360 0 $5.84

*APR = Annual Percentage Rate. The APR you receive may be different than the rates disclosed above based on past credit history. Contact Us to determine the rate for which you qualify and to obtain further details.


+ Other terms are available. Contact us for further details.

++ Includes a 60 Day Rate Lock. Expiration Date 09/02/2008.

Deposit Rates effective June 4, 2008. Subject to change without notice.

Deposit Rates

Product APY* Interest Rate Minimum Required to Earn Rate Priority Select 0.25% 0.50% 0.75% 1.01% 1.26% 0.25% 0.50% 0.75% 1.00% 1.25%    $0.01 - $9,999.99    $10,000 - $49,999.99    $50,000 - $99,999.99    $100,000-$499,999.99    $500,000 or more Priority Elite*** 0.25% 0.60% 0.85% 1.11% 1.36% 0.25% 0.60% 0.85% 1.10% 1.35%    $0.01 - $9,999.99    $10,000 - $49,999.99    $50,000 - $99,999.99    $100,000-$499,999.99    $500,000 or more Priority Money Market 0.40% 0.80% 1.16% 1.41% 1.77% 2.02% 0.40% 0.80% 1.15% 1.40% 1.75% 2.00%    $0.01 - $9,999.99    $10,000 - $49,999.99    $50,000 - $99,999.99    $100,000-$499,999.99    $500,000-$999,999.99    $1,000,000 or more Treasury Tracker Money Market*** .00% 0.46% 0.96% 1.45% 1.71% 1.96% .00% 0.46% 0.96% 1.45% 1.70% 1.94%    $0.00 - $1,999.99    $2,000 - $49,999.99    $50,000 - $99,999.99    $100,000 - $499,999.99    $500,000 - $999,999.99    $1,000,000 or more Priority Savings 0.25% 0.50% 0.75% 1.01% 1.26% 0.25% 0.50% 0.75% 1.00% 1.25%    $.01 - $9,999.99    $10,000 - $49,999.99    $50,000 - $99,999.99    $100,000-$499,999.99    $500,000 or more Business Savings 0.25% 0.50% 0.75% 1.01% 1.26% 0.25% 0.50% 0.75% 1.00% 1.25%    $.01 - $9,999.99    $10,000 - $49,999.99    $50,000 - $99,999.99    $100,000-$499,999.99    $500,000 or more Community Checking 0.40% 0.80% 1.16% 1.41% 1.77% 2.02% 0.40% 0.80% 1.15% 1.40% 1.75% 2.00%    $0.01 - $9,999.99    $10,000 - $49,999.99    $50,000 - $99,999.99    $100,000 - 499,999.99    $500,000.00 -999,999.99    $1,000,000.00 or more Business Money Market 0.40% 0.80% 1.16% 1.41% 1.77% 2.02% .40% 0.80% 1.15% 1.40% 1.75% 2.00%    $0.01 - $9,999.99    $10,000 - $49,999.99    $50,000 - $99,999.99    $100,000 - 499,999.99    $500,000 - 999,999.99    $1,000,000.00 or more IOLA 1.21% 1.20%    $0.01 or more Business Treasury Tracker Money Market*** .00% 0.46% 0.96% 1.45% 1.71% 1.96% .00% 0.46% 0.96% 1.45% 1.70% 1.94%    $0.00 - $1,999.99    $2,000 - $49,999.99    $50,000 - $99,999.99    $100,000 - $499,999.99    $500,000 - $999,999.99    $1,000,000 or more 3-Month CD Special†** 2.04% 2.02%    $10,000 or more 6-month CD** 2.07% 2.17% 2.05% 2.15%    $2,000.00 - $9,999.99    $10,000 or more 1-year CD** 2.38% 2.48% 2.35% 2.45%    $2,000.00 - $9,999.99    $10,000 or more 18-Month CD** 2.63% 2.78% 2.60% 2.75%    $2,000.00 - $9,999.99    $10,000 or more 2-year CD** 2.78% 2.99% 2.75% 2.95%    $2,000.00 - $9,999.99    $10,000 or more 3-year CD** 3.35% 3.51% 3.30% 3.45%    $2,000.00 - $9,999.99    $10,000 or more 4-year CD** 3.76% 3.87% 3.70% 3.80%    $2,000.00 - $9,999.99    $10,000 or more 5-year CD** 4.02% 4.13% 3.95% 4.05%    $2,000.00 - $9,999.99    $10,000 or more

Receive a Premium Rate on Certificates of Deposit with a Rhinebeck Savings' Priority Checking Account.

* APY = Annual Percentage Yield. Fees may reduce earnings.

** CD = Certificate of Deposit. Penalty for early withdrawal.

To obtain APY, all interest and principal must be left on deposit for full term.

*** Minimum Deposit Required to open account:
Priority Elite = $2,500.00
Treasury Tracker Money Market = $2,000.00

† Rate effective June 4, 2008 and subject to change without notice. At time of renewal, Certificate will renew for a period of 3 months at the prevailing 3 month rate. Certain terms and conditions apply, please contact us for details.