Rates

Term/Account Annual Percentage Yield Interest Rate

Annual percentage yields are effective on certificates opened from
October 15, 2014 through October 20, 2014

**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 0.45% 0.45%
**24 Months Certificates 0.55% 0.55%
**30 Months Certificates 0.70% 0.70%
**36 Months Certificates 0.90% 0.90%
**48 Months Certificates 1.05% 1.05%
**60 Months Certificates 1.25% 1.25%
**60 Months Certificates $250,000 and over 1.50% 1.50%
     

$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

All percentage yields effective as of October 15, 2014

‡ *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

No minimum deposit required to open account. 0.20% 0.20%

‡ **Individual Retirement Accounts

$100.00 minimum deposit required to open account
Penalty may be imposed for early withdrawal
Effective Rate June 1, 2013

0.50%

0.50%

‡ *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%

*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
**A penalty may be imposed for early withdrawal**

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