Rates

Statement Savings

Account Name	Min to Open	Min to Earn APY	APY	Interest Rate
*Statement Savings	$50.00	$50.00	0.10%	0.10%

Certificate of Deposit

Term	Penalty	Min to Open	Min to Earn APY	APY	Interest Rate
3-5 MONTH	3 MO	1,000.00	1,000.00	0.95%	0.95%
6-11 MONTH	3 MO	1,000.00	1,000.00	1.06%	1.05%
12-23 MONTH	6 MO	500.00	500.00	1.16%	1.15%
24-35 MONTH	9 MO	500.00	500.00	1.46%	1.45%
36-47 MONTH	12 MO	500.00	500.00	2.58%	2.55%
48-59 MONTH	3 MO+	500.00	500.00	3.56%	3.50%
60-119 MONTH	3 MO+	500.00	500.00	3.67%	3.60%
120 MONTH	3 MO+	500.00	500.00	3.98%	3.90%

Super Saver

Term	Penalty	Min to Open	Min to Earn APY	APY	Interest Rate
6-11 MONTH CD	3 MO	10,000.00	10,000.00	3.15%	3.10%
12-23 MONTH CD	6 MO	10,000.00	10,000.00	3.25%	3.20%
24-35 MONTH CD	9 MO	10,000.00	10,000.00	3.35%	3.30%
36-47 MONTH CD	12 MO	10,000.00	10,000.00	3.46%	3.40%

IRA Fixed

Term	Penalty	Min to Open	Min to Earn APY	APY	Interest Rate
IRA 18 MONTH CD	6 MO	100.00	100.00	3.25%	3.20%
6 MONTH IRA	3 MO	2,000.00	2,000.00	3.15%	3.10%
12 MONTH IRA	6 MO	2,000.00	2,000.00	3.25%	3.20%
24 MONTH IRA	9 MO	2,000.00	2,000.00	3.35%	3.30%
36 MONTH IRA	12 MO	2,000.00	2,000.00	3.46%	3.40%
48 MONTH IRA	3 MO+	2,000.00	2,000.00	3.56%	3.50%
60 MONTH IRA	3 MO+	2,000.00	2,000.00	3.67%	3.60%
120 MONTH IRA	3 MO+	2,000.00	2,000.00	3.98%	3.90%

IRA Variable

Term	Penalty	Min to Open	Min to Earn APY	APY	Interest Rate
*IRA 18 MONTH CD	6 MO	100.00	100.00	3.25%	3.20%

* Variable rate – Annual Percentage Yield may change after account is opened.

Checking

Account Name		Min to Open	Min to Earn APY	APY	Interest Rate
*NOW-CHECKING WITH INTEREST		200.00	200.00	0.02%	0.02%
*FREEDOM 55 CHECKING		100.00	200.00	0.02%	0.02%
BUSINESS CHECKING ACCOUNT		100.00	N/A	0.00%	0.00%
VALUE CHECKING		100.00	N/A	0.00%	0.00%
*MMA-PERSONAL	Less Than	2,500.00	2,500.00	0.00%	0.00%
		2,500.00	2,500.00	0.02%	0.02%
		25,000.00	25,000.00	0.05%	0.05%
		50,000.00	50,000.00	0.10%	0.10%
*MMA-NONPERSONAL	Less Than	2,500.00	2,500.00	0.00%	0.00%
		2,500.00	2,500.00	0.02%	0.02%
		25,000.00	25,000.00	0.05%	0.05%
		50,000.00	50,000.00	0.10%	0.10%

Jumbo Certificate (Public funds must call for rate)

Term	Min to Open	Min to Earn APY	APY	Interest Rate
3 MONTH	100,000.00	100,000.00	0.95%	0.95%
6 MONTH	100,000.00	100,000.00	3.10%	3.10%
12 MONTH	100,000.00	100,000.00	3.20%	3.20%

Jumbo Certificate – Reference Only (Public funds must call for rate)

Term	Min to Open	Min to Earn APY	Rate
3 MONTH THRU 36 MONTH	250,000.00	250,000.00	Call for Rate

Ask for more information about these accounts.

Fees may reduce overall earnings.
A penalty may be imposed for early withdrawal.
Minimum balance required to avoid service charge.

APY stands for Annual Percentage Yield.