FDIC-Insured - Backed by the full faith and credit of the U.S. Government

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Savings Accounts

Account Type

Minimum To Open

Minimum Balance to Obtain APY

Interest Rate

Annual Percentage Yield (APY)

Passbook

$100.00

$.01

0.10%

0.10%

Statement

$100.00

$.01

0.10%

0.10%

Christmas Club

$5.00

$.01

0.10%

0.10%

Fees may reduce earnings.

Checking Accounts

Account Type

Minimum To Open

Minimum Balance to Obtain APY

Interest Rate

Annual Percentage Yield (APY)

NOW

(Balances of $0.00 - $299.99)

$750.00

$0.00

0.00%

0.00%

NOW

(Balances of $300.00 and over)

$750.00

$300.00

0.05%

0.05%

Super NOW

(Balances of $0.00 - $499.99)

$2,500.00

$0.00

0.00%

0.00%

Super NOW

(Balances of $500.00 - $2,499.99)

$2,500.00

$500.00

0.05%

0.05%

Super NOW

(Balances of $2,500.00 and over)

$2,500.00

$500.00

0.10%

0.10%

Club Plus

(Balances of $0.00 - $249.99)

$100.00

$0.00

0.00%

0.00%

Club Plus

(Balances of $250.00 and over)

$100.00

$250.00

0.10%

0.10%

Premier 50

(Balances of $0.00 - $249.99)

$300.00

$0.00

0.00%

0.00%

Premier 50

(Balances of $250.00 and over)

$300.00

$250.00

0.10%

0.10%

Premier 50 Plus

$100.00

$0.00

0.10%

0.10%

Fees may reduce earnings.

Money Market Accounts

Balance

Minimum To Open

Minimum Balance to Obtain APY

Interest Rate

Annual Percentage Yield (APY)

$0.00 - $499.99

$2,500.00

$0.00

0.00%

0.00%

$500 - $2,499.99

$2,500.00

$500.00

0.05%

0.05%

$2,500.00 and over

$2,500.00

$500.00

0.10%

0.10%

Fees may reduce earnings.

Certificates of Deposit

Term

Minimum Balance to Obtain APY

Interest Rate

Annual Percentage Yield (APY)

3 Months

$1,000.00

0.25%

0.25%

6 Months

$1,000.00

0.40%

0.40%

12 Months

$1,000.00

0.50%

0.50%

18 Months

$1,000.00

0.55%

0.55%

24 Months

$1,000.00

0.65%

0.65%

30 Months

$1,000.00

0.70%

0.70%

36 Months

$1,000.00

0.75%

0.75%

48 Months

$1,000.00

1.00%

1.01%

60 Months

$1,000.00

1.25%

1.26%

Substantial penalty may be imposed for early withdrawal.

Individual Retirement Accounts

Certificates of Deposit Accounts, from 6 months to 60 months, are available for IRA deposit accounts.

Substantial penalty may be imposed for early withdrawal.