Savings Accounts
Minimum Required Balance Rate APY
Statement Savings $100.00 0.31% 0.31%
Basic Money Market $2,500.00 0.31% 0.31%
Premier Money Market $5,000.00 0.40% 0.40%
High Yield Money Market $10,000.00 0.65% 0.65%
Prime Money Market $25,000.00 1.62% 1.63%

Checking Accounts Minimum Required Balance Rate APY
Free Checking No Minimum Balance 0.0% 0.0%
Checking With Interest $250.00 0.26% 0.26%
Senior Checking Account
(Age 50 and Over) No Minimum Balance 0.26% 0.26%
Elite Checking $10,000.00 0.50% 0.50%

CERTIFICATES OF DEPOSIT

Description Rate APY
6 Month Certificate .65% .65%
12 Month Certificate 1.00% 1.00%
16 Month Certificate Special
($5,000.00 Minimum) 1.84% 1.85%
18 Month Certificate 1.15% 1.15%
23 Month Certificate Special
($5,000.00 Minimum) 1.99% 2.00%
24 Month Certificate 1.49% 1.50%
36 Month Certificate 1.99% 2.00%
48 Month Certificate 2.08% 2.10%
59 Month Certificate Special
($5,000.00 Minimum) 2.97% 3.00%
60 Month Certificate 2.23% 2.25%

IRA'S (Traditional, Roth, & Educational)

Description Rate APY
12 Month Fixed 1.00% 1.00%
16 Month Fixed Special
($5,000.00 Minimum) 1.84% 1.85%
18 Month Fixed 1.24% 1.25%
12 Month Var. 1.00% 1.00%
18 Month Var. 1.24% 1.25%
IRA Savings 0.50% 0.50%

$1,000.00 Minimum opening balance required for Certificates of Deposit or Fixed Rate IRA's. Special Certificates of Deposit may require a higher minimum opening balance. No deposits can be added to existing balances. There are substantial penalties for early withdrawal of fund from these acounts before maturity. Interest is earned at maturity on accounts under 11 months. Interest is compounded quarterly on accounts 11 months and over.

Fees may reduce rate-MEMBER FDIC

Rates and terms may change at any time