For more information please click on the following links:

• CD/IRA Accounts
• Christmas Club Savings
• Health Savings Account
• Insured Money Market Fund
• Interest First Checking
• Municipal Interest First Checking
• Signature Money Market Account
• Statement Savings
• Loan Rates

CD/IRA Accounts

APY: Annual Percentage Yield
Certificate of Deposit minimum opening deposit is $1,000.00.
One Year Variable IRA minimum opening deposit is $50.00.

1 Year Variable CD/IRA***	Interest Rate	APY**
Tier 1 ($50-$499.99) IRA only	0.015	0.01
Tier 2 ($500-$999.99)	0.015	0.01
Tier 3 ($1,000-$9,999.99)	0.015	0.01
Tier 4 ($10,000-$24,999.99)	0.165	0.17
Tier 5 ($25,000-$74,999.99)	0.265	0.27
Tier 6 ($75,000 & over)	0.415	0.42
1-2 Month Fixed CD/IRA	Interest Rate	APY**
Tier 1 ($1,000-$49,999.99)	0.05	0.05
Tier 2 ($50,000 & over)	0.15	0.15
3-5 Month Fixed CD/IRA	Interest Rate	APY**
Tier 1 ($1,000-$49,999.99)	0.05	0.05
Tier 2 ($50,000 & over)	0.15	0.15
6 Month Fixed CD/IRA	Interest Rate	APY**
Tier 1 ($1,000-$49,999.99)	0.15	0.15
Tier 2 ($50,000 & over)	0.25	0.25
12-23 MO Fixed CD/IRA	Interest Rate	APY**
Tier 1 ($1,000-$49,999.99)	0.25	0.25
Tier 2 ($50,000 & over)	0.35	0.35
24-35 MO Fixed CD/IRA	Interest Rate	APY**
Tier 1 ($1,000-$49,999.99)	0.50	0.50
Tier 2 ($50,000 & over)	0.60	0.60
36-47 MO Fixed CD/IRA	Interest Rate	APY**
Tier 1 ($1,000-$49,999.99)	0.75	0.75
Tier 2 ($50,000 & over)	0.85	0.85
48-59 MO Fixed CD/IRA	Interest Rate	APY**
Tier 1 ($1,000-$49,999.99)	1.05	1.05
Tier 2 ($50,000 & over)	1.15	1.15
60-71 MO Fixed CD/IRA	Interst Rate	APY**
Tier 1 ($1,000-$49,999.99)	1.30	1.31
Tier 2 ($50,000 & over)	1.40	1.41

*Early withdrawal penalties may apply.
** APY based on interest quarterly compounded.
*** The interest rate and annual percentage yield may change every quarter.

Christmas Club Savings

APY: Annual Percentage Yield

Account	Interest Rate	APY
Book Payment $10.00 and over balance	0.10	0.10
AFT Payment $10.00 and over balance	0.30	0.30

Health Savings Account

APY: Annual Percentage Yield

Account	Interest Rate	APY
Tier 1 ($500-$9,999.99)	0.80	0.80
Tier 2 ($10,000-$24,999.99)	0.80	0.80
Tier 3 ($25,000-$49,999.99)	0.80	0.80
Tier 4 ($50,000 and over)	0.80	0.80

Insured Money Market Fund

APY: Annual Percentage Yield

Account	Interest Rate	APY
Tier 1 ($1,000-$9,999.99)	0.05	0.05
Tier 2 ($10,000-$24,999.99)	0.05	0.05
Tier 3 ($25,000-$49,999.99)	0.05	0.05
Tier 4 ($50,000-$99,999.99)	0.10	0.10
Tier 5 ($100,000 & over)	0.20	0.20

Interest First Checking

APY: Annual Percentage Yield

Account	Interest Rate	APY
Tier 1 ($300-$9,999.9)	0.05	0.05
Tier 2 ($10,000-$24,999.99)	0.05	0.05
Tier 3 ($25,000-$49,999.99)	0.10	0.10
Tier 4 ($50,000 & over)	0.15	0.15

Municipal Interest First Checking

APY: Annual Percentage Yield

Account	Interest Rate	APY
Tier 1 ($1,000-$9,999.99)	0.05	0.05
Tier 2 ($10,000-$24,999.99)	0.05	0.05
Tier 3 ($25,000-$49,999.99)	0.10	0.10
Tier 4 ($50,000-$99,999.99)	0.15	0.15
Tier 5 ($100,000 - $499,999.99)	0.25	0.25
Tier 6 ($500,000 & over)	0.25	0.25

Signature Money Market Account

APY: Annual Percentage Yield

Account	Interest Rate	APY
Tier 1 ($75,000-$99,999.99)	0.15	0.15
Tier 2 ($100,000 & over)	0.25	0.25

Statement Savings

APY: Annual Percentage Yield

Account	Interest Rate	APY
$10.00 and over	0.05	0.05

Loan Rates

Call any of our convenient locations for our current loan rates.

Notes:

• All Deposit Rates subject to change
• The Annual Percentage Yield is accurate as of 1/4/12
• Account disclosures available upon request
• Deposits are insured by the Federal Deposit Insurance Corporation