Rates

Term/Account Annual Percentage Yield Interest Rate

Annual percentage yields are effective on certificates opened from
Tuesday May 19, 2015 through Monday May 26, 2015

**91 Day Certificates 0.15% 0.15%
**6 Month Certificates 0.20% 0.20%
**9 Months Certificates 0.30% 0.30%
**12 Months Certificates 0.35% 0.35%
**15 Months Certificates 0.40% 0.40%
**18 Months Certificates 0.50% 0.50%
**24 Months Certificates 0.60% 0.60%
**30 Months Certificates 0.75% 0.75%
**36 Months Certificates 1.00% 1.00%
**48 Months Certificates 1.25% 1.25%
**60 Months Certificates 1.76% 1.75%
     

$1,000.00 minimum deposit required to open all accounts unless otherwise stated
**A penalty may be imposed for early withdrawal.**

Term/Account Annual Percentage Yield Interest Rate

Annual percentage yields effective as of  Tuesday May 19, 2015

‡ *Money Market Accounts- Limited Transactions    

$2,500.00 minimum deposit required to open account    
$5.00 monthly charge if balance falls below $2,500.00
     Balances below $2,500.00 0.05% 0.05%
     Balances of $2,500.00-$9,999.99 0.05% 0.05%
     Balances of $10,000.00-$24,999.99 0.10% 0.10%
     Balances of $25,000.00 or $99,999.99 0.15% 0.15%
     Balances of $100,000.00 or more 0.35% 0.35%

‡ *Super Now Accounts- Unlimited Transactions

$2,500.00 minimum deposit required to open account
$5.00 monthly charge if balance falls below $2,500.00
     Balances below $2,500.00 0.05% 0.05%
     Balances of $2,500.00 or more 0.05% 0.05%

‡ *Now Accounts- Unlimited Transactions

$500.00 minimum deposit required to open account 
$5.00 monthly charge if balance falls below $500.00 0.05% 0.05%

‡ Statement Savings Accounts

 $50.00 minimum deposit required to open an account. 0.20% 0.20%

‡ **Individual Retirement Accounts (18 Month Variable Rate)

$100.00 minimum deposit required to open account
Penalty may be imposed for early withdrawal

0.75%

0.75%

‡ **Individual Retirement Accounts (36 Month Fixed Rate)

$100.00 minimum deposit required to open account
Penalty may be imposed for early withdrawal
This Fixed Rate IRA product becomes available April 20, 2015

1.26%

1.25%

‡ *Health Savings Account  

$100.00 minimum deposit required to open account 
$25.00 annual fee
Fees may be imposed when closing or transferring account
0.25% 0.25%

*2015 Christmas Club Accounts

No minimum deposit required to open account 
0.15% 0.15%
$10.00 charge for each withdrawal made prior to maturity

At our discretion, we may change the above rates at any time. 
‡ Rates may change after the account is opened.

*Fees could reduce the earnings on the above indicated accounts

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