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Deposit Rates / INTEREST RATE DISCLOSURE
| Certificates of Deposits Federal Deposit Insurance Corporation (FDIC) Insured. |
| A penalty may be imposed for early withdrawal.* |
| The interest rates and APYs are accurate as of December 22, 2008. |
| *Rate - Interest Rate |
*APY - Annual Percentage Yield |
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TERM |
MIN. BALANCE |
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| 6 MONTH CERTIFICATE |
6 month(s) |
$5,000.00 |
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2.23% (Rate) |
2.25% (APY) |
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| 12 MONTH CERTIFICATE |
12 month(s) |
$1,000.00 |
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2.47% (Rate) |
2.50% (APY) |
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| 18 MONTH CERTIFICATE |
18 month(s) |
$1,000.00 |
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2.72% (Rate) |
2.75% (APY) |
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| 24 MONTH CERTIFICATE |
24 month(s) |
$1,000.00 |
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2.96% (Rate) |
3.00% (APY) |
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| 30 MONTH CERTIFICATE |
30 month(s) |
$1,000.00 |
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2.96% (Rate) |
3.00% (APY) |
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| 36 MONTH CERTIFICATE |
36 month(s) |
$1,000.00 |
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3.20% (Rate) |
3.25% (APY) |
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| 48 MONTH CERTIFICATE |
48 month(s) |
$1,000.00 |
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3.45% (Rate) |
3.51% (APY) |
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| 60 MONTH CERTIFICATE |
60 month(s) |
$1,000.00 |
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3.45% (Rate) |
3.51% (APY) |
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*Withdrawing principal is not allowed without penalties.
C/D Term 1 Year or Less - 3 Month's Interest
C/D Term > 1 Year - 6 Month's Interest
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| NOW CHECKING ACCOUNT |
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$1,000.00 |
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0.10% (Rate) |
0.10% (APY) |
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
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You must maintain a minimum daily balance of 1,000.00
to obtain the disclosed annual percentage yield.
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Fees could reduce earnings on the account.
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| MONEY MARKET |
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$2,500.00 |
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0.80% (Rate) |
0.80% (APY) |
This is a variable rate account; the rate(s) and APY(s)
may change after the account is opened.
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You must maintain a minimum daily balance of $2,500.00
to obtain the disclosed annual percentage yield.
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Fees could reduce earnings on the account.
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| PASSBOOK SAVINGS |
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$10.00 |
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1.20% (Rate) |
1.21% (APY) |
This is a variable rate account; the rate(s) and APY(s)
may change after the account is opened.
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You must maintain a minimum daily balance of $10.00 to
obtain the disclosed annual percentage yield.
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| STATEMENT SAVINGS |
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$100.00 |
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1.20% (Rate) |
1.21% (APY) |
This is a variable rate account; the rate(s) and APY(s)
may change after the account is opened.
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You must maintain a minimum daily balance of $100.00 to
obtain the disclosed annual percentage yield.
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