SPECIALS
A penalty may be imposed for early withdrawal.
20 MONTH NON-RENEWABLE
CERTIFICATE (93)
MINIMUM DEPOSIT
TO OPEN ACCOUNT

$2,500
MINIMUM BALANCE*
TO OBTAIN APY

$2,500
INTEREST
RATE

2.50%
ANNUAL
PERCENTAGE YIELD

2.53%
33 MONTH NON-RENEWABLE
CERTIFICATE (95)
MINIMUM DEPOSIT
TO OPEN ACCOUNT

$2,500
MINIMUM BALANCE*
TO OBTAIN APY

$2,500
INTEREST
RATE

2.85%
ANNUAL
PERCENTAGE YIELD

2.89%
FIXED RATE CERTIFICATES
A penalty may be imposed for early withdrawal.
3 Month Certificate Account
MINIMUM DEPOSIT
TO OPEN ACCOUNT

$500
MINIMUM BALANCE*
TO OBTAIN APY
$500
INTEREST
RATE

0.25%
ANNUAL
PERCENTAGE YIELD

0.25%
6 Month Certificate Account
MINIMUM DEPOSIT
TO OPEN ACCOUNT

$500
MINIMUM BALANCE*
TO OBTAIN APY

$500
INTEREST
RATE

0.35%
ANNUAL
PERCENTAGE YIELD
0.35%
12 Month Certificate Account
MINIMUM DEPOSIT
TO OPEN ACCOUNT

$500
MINIMUM BALANCE*
TO OBTAIN APY

$500
INTEREST
RATE

0.50%
ANNUAL
PERCENTAGE YIELD

0.50%
18 Month Certificate Account
MINIMUM DEPOSIT
TO OPEN ACCOUNT

$500
MINIMUM BALANCE*
TO OBTAIN APY

$500
INTEREST
RATE

0.75%
ANNUAL
PERCENTAGE YIELD

0.75%
24 Month Certificate Account
MINIMUM DEPOSIT
TO OPEN ACCOUNT

$500
MINIMUM BALANCE*
TO OBTAIN APY
$500
INTEREST
RATE

0.85%
ANNUAL
PERCENTAGE YIELD

0.85%
30 Month Certificate Account
MINIMUM DEPOSIT
TO OPEN ACCOUNT

$500
MINIMUM BALANCE*
TO OBTAIN APY
$500
INTEREST
RATE

1.85%
ANNUAL
PERCENTAGE YIELD

1.87%
48 Month Certificate Account
MINIMUM DEPOSIT
TO OPEN ACCOUNT

$500
MINIMUM BALANCE*
TO OBTAIN APY

$500
INTEREST
RATE

2.00%
ANNUAL
PERCENTAGE YIELD

2.02%
IRA ACCOUNTS
18 MONTH FIXED
IRA ACCOUNT
MINIMUM DEPOSIT
TO OPEN ACCOUNT

$100
MINIMUM BALANCE*
TO OBTAIN APY

$100
INTEREST
RATE

0.75%
ANNUAL
PERCENTAGE YIELD

0.75%
18 MONTH VARIABLE
IRA ACCOUNT
MINIMUM DEPOSIT
TO OPEN ACCOUNT

$100
MINIMUM BALANCE*
TO OBTAIN APY

$100
INTEREST
RATE

3.08%
ANNUAL
PERCENTAGE YIELD

3.13%
60 MONTH FIXED
IRA ACCOUNT
MINIMUM DEPOSIT
TO OPEN ACCOUNT

$100
MINIMUM BALANCE*
TO OBTAIN APY

$100
INTEREST
RATE

2.25%
ANNUAL
PERCENTAGE YIELD

2.28%
BUSINESS ACCOUNTS
For variable rate accounts, the rate may change after the account is opened.
BUSINESS CHECKING ACCOUNT
MINIMUM DEPOSIT
TO OPEN ACCOUNT

$100
 
NON-INTEREST BEARING ACCOUNT
BUSINESS CHECKING ACCOUNT WITH INTEREST
MINIMUM DEPOSIT
TO OPEN ACCOUNT

$100
MINIMUM BALANCE*
TO OBTAIN APY

$1
INTEREST
RATE

0.02%
ANNUAL
PERCENTAGE YIELD
0.02%
BUSINESS SAVINGS
ACCOUNT
MINIMUM DEPOSIT
TO OPEN ACCOUNT

$100
MINIMUM BALANCE*
TO OBTAIN APY

$1
 
 
--- First Tier ---
DAILY BALANCE
$.01 - $49,999.99
 
INTEREST
RATE

0.05%
ANNUAL
PERCENTAGE YIELD

0.05%
--- Second Tier ---
DAILY BALANCE
$50,000.00 & over
 
INTEREST
RATE

0.10%
ANNUAL
PERCENTAGE YIELD

0.10%
BUSINESS MONEY MARKET
ACCOUNT
MINIMUM DEPOSIT
TO OPEN ACCOUNT

$2,500
MINIMUM BALANCE*
TO OBTAIN APY

$1
 
 
--- First Tier ---
DAILY BALANCE
$.01 - $9,999.99
 
INTEREST
RATE

0.02%
ANNUAL
PERCENTAGE YIELD

0.02%
--- Second Tier ---
DAILY BALANCE
$10,000.00 - $49,999.99
 
INTEREST
RATE

0.05%
ANNUAL
PERCENTAGE YIELD

0.05%
--- Third Tier ---
DAILY BALANCE
$50,000.00 & over
 
INTEREST
RATE

0.10%
ANNUAL
PERCENTAGE YIELD

0.10%
SAVINGS AND CHECKING ACCOUNTS:
For variable rate accounts, the rate may change after the account is opened.
PASSBOOK SAVINGS ACCOUNT
MINIMUM DEPOSIT
TO OPEN ACCOUNT

$5
MINIMUM BALANCE*
TO OBTAIN APY

$1
INTEREST
RATE

0.05%
ANNUAL
PERCENTAGE YIELD

0.05%
CHRISTMAS CLUB ACCOUNT
MINIMUM DEPOSIT
TO OPEN ACCOUNT

$5
MINIMUM BALANCE*
TO OBTAIN APY

$1
INTEREST
RATE

0.05%
ANNUAL
PERCENTAGE YIELD

0.05%
STATEMENT SAVINGS ACCOUNT
MINIMUM DEPOSIT
TO OPEN ACCOUNT

$100
MINIMUM BALANCE*
TO OBTAIN APY

$1
INTEREST
RATE

0.05%
ANNUAL
PERCENTAGE YIELD

0.05%
CHECKING ACCOUNT
MINIMUM DEPOSIT
TO OPEN ACCOUNT

$25
MINIMUM BALANCE*
TO OBTAIN APY

$1
INTEREST
RATE
0.02%
ANNUAL
PERCENTAGE YIELD

0.02%
FREE CHECKING
MINIMUM DEPOSIT
TO OPEN ACCOUNT

$25
non-interest bearing account
TEEN TEAM TRANSACTION ACCOUNT
MINIMUM DEPOSIT
TO OPEN ACCOUNT

$5
MINIMUM BALANCE*
TO OBTAIN APY

$1
INTEREST
RATE

0.05%
ANNUAL
PERCENTAGE YIELD

0.05%
MONEY MARKET
DEPOSIT ACCOUNT
MINIMUM DEPOSIT
TO OPEN ACCOUNT

$2,500
MINIMUM BALANCE*
TO OBTAIN APY

$1
 
 
--- First Tier ---
DAILY BALANCE
$.01 - $9,999.99
 
INTEREST
RATE

0.02%
ANNUAL
PERCENTAGE YIELD

0.02%
--- Second Tier ---
DAILY BALANCE
$10,000.00 - $39,999.99
 
INTEREST
RATE

0.05%
ANNUAL
PERCENTAGE YIELD

0.05%
--- Third Tier ---
DAILY BALANCE
$40,000.00 & over
 
INTEREST
RATE

0.10%
ANNUAL
PERCENTAGE YIELD

0.10%
PLATINUM MONEY
MARKET ACCOUNT
MINIMUM DEPOSIT
TO OPEN ACCOUNT

$50,000
MINIMUM BALANCE*
TO OBTAIN APY

$1
 
 
--- First Tier ---
DAILY BALANCE
$.01 - $49,999.99
 
INTEREST
RATE

0.05%
ANNUAL
PERCENTAGE YIELD

0.05%
--- Second Tier ---
DAILY BALANCE
$50,000.00 & over
 
INTEREST
RATE

0.15%
ANNUAL
PERCENTAGE YIELD

0.15%
*Minimum balance (the amount of principal in the account each day). These rate and yields are accurate as of the date identified above. This Rate Sheet is subject to change at any time without notice. Fees could reduce the earnings on the account. Please stop in at any of our offices or call any of the telephone numbers listed below to obtain current rate information and to contact an employee for further information.

ALL ACCOUNTS ARE FDIC INSURED
""