Interest Rates

Interest Rates and APYs Effective June 3, 2013

Interest Rates subject to change without notice.

Fees could reduce the earnings on the account.

We only accept deposits from customers with either a primary or secondary residence located within local communities

Savings Accounts

Account Type	Interest Rate	Annual Percentage Yield (APY) Quarterly
Savings	0.20	0.20
Christmas Club	0.20	Not Compounded

NOW Accounts

Account Type	Interest Rate	Annual Percentage Yield (APY) Monthly	Minimum To Open
50,000.00 or more	0.25	0.25	1,000.00
49,999.99 to 25,000.00	0.20	0.20
24,999.99 to 10,000.00	0.20	0.20
Less than 10,000.00	0.15	0.15

Money Market Accounts

Account Type	Interest Rate	Annual Percentage Yield (APY) Monthly	Minimum To Open
100,000.00 or more	0.25	0.25	5,000.00
99,999.99 to 50,000.00	0.25	0.25
49,999.99 to 25,000.00	0.25	0.25
24,999.99 to 10,000.00	0.20	0.20
Less than 10,000.00	0.10	0.10

Certificates of Deposit (CDs)

Account Type	Minimum Balance	Interest Rate	Annual Percentage Yield (APY) Monthly	Penalty for early withdrawal
7 to 31 Days	5,000.00	0.10	0.10	Up to 1 month
91 Days	5,000.00	0.10	0.10	1 month
182 Days	1,000.00	0.15	0.15	1 month
12 Months	1,000.00	0.25	0.25	1 month
18 Months	1,000.00	0.30	0.30	3 months
24 Months	1,000.00	0.35	0.35	3 months
30 Months	1,000.00	0.25	0.25	3 months
36 Months	1,000.00	0.40	0.40	3 months
48 Months	1,000.00	0.60	0.60	3 months
60 Months	1,000.00	0.75	0.75	3 months

APY for CDs assumes a monthly compounding of interest, yields will vary under other options of interest payment.