Effective dates: 05-22-2013 to 05-28-2013
ACCOUNT PRODUCT
MINIMUM OPENING DEPOSIT
MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD
INTEREST RATE
APY
Savings
Savings Account
$50.00
 
0.10%
0.10% 
NOW Account
$500.00      
Daily Balances of:
  up to $49,999.99 0.05% 0.05%
  $50,000.00-99,999.99 0.10% 0.10%
  $100,000.00-above 0.10% 0.10%
 
Money Market Savings
Money Market Savings 
$2,500.00
 
0.10% 
0.10% 
Super Money Market Savings
$25,000.00
 
0.10% 
0.10% 
 
Certificates of Deposit
30 to 89 Days
$500.00
$500.00
0.10%
0.10%
90 to 181 Days
$500.00
$500.00
0.10%
0.10%
182 Days to 1 year
$500.00
$500.00
0.15%
0.15%
1 Year up to 2 Years
$500.00
$500.00
0.20%
0.20%
2 Years up to 3 Years
$500.00
$500.00
0.40% 
0.40%
3 Years up to 4 Years
$500.00
$500.00
0.55%
0.55%
2 Year Bump
$500.00
$500.00
0.35%
0.35%
3 Year Bump
$500.00
$500.00
0.50%
0.50%
Jumbo Certificates of Deposit
30 to 89 Days
$100,000.00
$100,000.00
0.15%
0.15%
90 to 181 Days
$100,000.00
$100,000.00
0.15%
0.15%
182 Days to 1 Year
$100,000.00
$100,000.00
0.20%
0.20%
1 Year up to 2 Years
$100,000.00
$100,000.00
0.25%
0.25%
2 Years up to 3 Years
$100,000.00
$100,000.00
0.45%
0.45%
3 Years up to 4 Years
$100,000.00
$100,000.00
0.60%
0.60%
2 Year Bump
$100,000.00
$100,000.00
0.40%
0.40%
3 Year Bump
$100,000.00
$100,000.00
0.55%
0.55%
IRA'S
1 Year up to 2 Yrs
$500.00
$500.00
0.20%
0.20%
2 Years up to 3 Yrs
$500.00
$500.00
0.40%
0.40%
3 Years up tp 4 Yrs
$500.00
$500.00
0.55%
0.55%
18 Month Variable*
$500.00
 
0.08%*
0.08%*
2 Year Bump
$500.00
$500.00
0.35%
0.35%
3 Year Bump
$500.00
$500.00
0.50%
0.50%
Jumbo IRA'S
1 Year up to 2 Yrs
$100,000.00
$100,000.00
0.25%
0.25%
2 Years up tp 3 Yrs
$100,000.00
$100,000.00
0.45%
0.45%
3 Years up to 4 Yrs
$100,000.00
$100,000.00
0.60%
0.60%
2 Year Bump
$100,000.00
$100,000.00
0.40%
0.40%
3 Year Bump
$100,000.00
$100,000.00
0.55%
0.55%

Substantial penalties may apply for early withdrawal

APY = Annual Percentage Yield

* The rate for the 18 month variable IRA may change after the account is opened.

Fees may reduce earnings on accounts