Deposit Account Rates

Account Product
Name

Minimum Opening Deposit

Minimum Balance to Obtain Annual Percentage Yield

Interest Rate

Annual Percentage Yield

NOW ACCOUNT - PERSONAL ^b

$500.00

$500.00 ^d

Balance:

Up to $2,499.99
$2,500.00 and up

0.10%
0.15%

0.10%
0.15%

NOW ACCOUNT - BUSINESS ^b

$500.00

$500.00 ^d

Balance:

Up to $2,499.99
$2,500.00 and up

0.10%
0.15%

0.10%
0.15%

MONEY MARKET DEPOSIT ^b

$2,500.00

$2,500.00 ^d

Balance:

Up to $24,999.99
$25,000.00 and up

0.25%
0.35%

0.25%
0.35%

STATEMENT SAVING ACCOUNT ^b

$100.00

$100.00 ^d

0.25%

0.25%

CHRISTMAS CLUB ACCOUNT ^e

$25.00

$25.00 ^d

0.30%

0.30%

91 DAYS MONEY MARKET
CERTIFICATE OF DEPOSIT ^a

$1000.00

$1000.00 ^c

0.20%

0.20%

182 DAY MONEY MARKET CERTIFICATE OF DEPOSIT^a

$1000.00

$1000.00 ^c

0.35%

0.35%

12 MONTH CERTIFICATE OF DEPOSIT ^a

$500.00

$500.00 ^c

0.50%

0.50%

18 MONTH CERTIFICATE OF DEPOSIT ^a

$500.00

$500.00 ^c

0.60%

0.60%

24 MONTH CERTIFICATE OF DEPOSIT ^a

$500.00

$500.00 ^c

1.00%

1.00%

36 MONTH CERTIFICATE OF DEPOSIT ^a

$500.00

$500.00 ^c

1.15%

1.15%

48 MONTH CERTIFICATE OF DEPOSIT ^a

$500.00

$500.00 ^c

1.30%

1.30%

60 MONTH CERTIFICATE OF DEPOSIT ^a

$500.00

$500.00 ^c

1.50%

1.51%

INDIVIDUAL RETIREMENT ACCOUNT
(IRA) ^a

$500.00

$500.00 ^c

0.60%

0.60%

(a)  A penalty may be imposed for early withdrawal.

(b)  Interest rates and subsequent annual percentage yields are subject to change daily without notice.

(c)   Interest is calculated using the Daily Balance Method. This method applies a daily periodic rate to the principal in the account each day.

(d)  Interest and /or Service Charges are calculated using the Average Daily Collected Balance Method. This method adds the collected principal balance in the account for each day of the period and divides that figure by the number of days in the period.

(e)  All interest is forfeited for early withdrawal.

(f)   Activity fees may be imposed; transfer/withdrawal limitations apply.