Deposit Rates

APY: Annual Percentage Yield
Annual Percentage Yield current as of May 1, 2013.
All rates are subject to change without notice.

Deposit Products

Account Type & Term Minimum Opening Deposit Minimum Balance To Earn APY Rate Annual Percentage Yield
NOW Checking $25 $500 0.05% 0.05%
Statement Savings $25 $100 0.05% 0.05%
Young Peoples Savings $10 $0.01 0.05% 0.05%
Christmas & Vacation Club $25 $10 0.05% 0.05%

Money Market

Account Type & Term Minimum Opening Deposit Minimum Balance To Earn APY Rate Annual Percentage Yield
Balance Less Than $25,000.00 $2,500 $0.01 0.10% 0.10%
$25,000 - $49,999 $2,500 $25,000 0.10% 0.10%
$50,000 - $149,999 $2,500 $50,000 0.15% 0.15%
$150,000 - $249,999 $2,500 $150,000 0.20% 0.20%
$250,000 & over $2,500 $250,000 0.25% 0.25%

Certificates of Deposit

Account Type & Term Minimum Opening Deposit Minimum Balance To Earn APY Rate Annual Percentage Yield
3 Months $500 $500 0.15% 0.15%
6 Months $500 $500 0.20% 0.20%
1 Year $500 $500 0.30% 0.30%
15 Months $500 $500 0.30% 0.30%
18 Months $500 $500 0.30% 0.30%
2 Year $500 $500 0.50% 0.50%
3 Year $500 $500 0.65% 0.65%
5 Year $500 $500 1.09% 1.10%
6 Year $500 $500 1.14% 1.15%

IRA CDs

Account Type & Term Minimum Opening Deposit Minimum Balance To Earn APY Rate Annual Percentage Yield
1 Year $500 $500 0.30% 0.30%
15 Months $500 $500 0.30% 0.30%
18 Months $500 $500 0.30% 0.30%
2 Year $500 $500 0.50% 0.50%
3 Year $500 $500 0.65% 0.65%
5 Year $500 $500 1.09% 1.10%
6 Year $500 $500 1.14% 1.15%

Health Savings Account (variable rate)

Account Type & Term Minimum Opening Deposit Minimum Balance To Earn APY Rate Annual Percentage Yield
Balance Less Than $2,500.00 $1 $0.01 0.05% 0.05%
$2,500 - $9,999.99 $1 $2,500 0.10% 0.10%
$10,000 - $24,999.99 $1 $10,000 0.20% 0.20%
$25,000 - $49,999.99 $1 $25,000 0.25% 0.25%
$50,000 + $1 $50,000 0.30% 0.30%
HSA Checking Account $25 $500 0.05% 0.05%

A penalty may be imposed for early withdrawal of funds from IRA and Certificate of Deposit Accounts.

Any deposit, withdrawal, interest transfer or fees will affect earnings and the Annual Percentage Yield (APY).

The daily balance method is used to calculate interest on all accounts

Sample Rate Quote: as of today's date, the interest Rate on our 18 Month CD is .30%

Annual Percentage Yield of .30%

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