Deposit Rate

ACCOUNT TYPE

MINIMUM TO OPEN ACCOUNT

MINIMUM BALANCE TO OBTAIN ANNUAL PERCENTAGE YIELD

INTEREST RATE

**ANNUAL PERCENTAGE YIELD

Statement Savings

$1.00 $1.00 0.25% 0.25%

Money Market

$1,000

$1,000

0.25%

0.25%

$10,000 0.25% 0.25%
$20,000 0.25% 0.25%
$50,000 0.25% 0.25%
Certificates of Deposit
1 Year $500 $500 0.30% 0.30%
18 Months $500 $500 0.30% 0.30%
2 Year $500 $500 0.40% 0.40%
30 Months $500 $500 0.40% 0.40%
3 Year $500 $500 0.75% 0.75%
4 Year $500 $500 1.00% 1.01%
5 Year $500 $500 1.25% 1.26%

Individual Retirement Accounts

Variable Rate
18 Months $500 N/A 0.40% 0.40%
Fixed Rate
1 Year $500 N/A 0.30% 0.30%
2 Years $500 N/A 0.40% 0.40%
30 Months $500 N/A 0.40% 0.40%
5 Years $500 N/A 1.25% 1.26%

**Annual Percentage Yield assumes interest remains on deposit and the interest rate does not change.  Withdrawal of interest will reduce earnings.