Rates - Effective April 6, 2015

Tiers Minimum Opening Deposit Minimum Balance to Obtain the APY Interest Rate Annual Percentage Yield (APY)

Certificate of Deposit

12 Month n/a $1,000 $1,000 0.20% 0.20%
24 Month n/a $1,000 $1,000 0.35% 0.35%
36 Month n/a $1,000 $1,000 0.50% 0.50%
48 Month* n/a $1,000 $1,000 0.75% 0.75%
60 Month n/a $1,000 $1,000 1.00% 1.00%

Money Market

MM Investment $0-29,999 $30,000 $0.01 0.05% 0.05%
  $30,000-59,999     0.10% 0.10%
  $60,000+     0.15% 0.15%
MM Savings $0-9,999 $100 $0.01 0.05% 0.05%
  $10,000+     0.10% 0.10%

Business Money Market

MM Commercial $0-9,999     0.05% 0.05%
  $10,000-49,999     0.10% 0.10%
  $50,000-99,999     0.10% 0.10%
  $100,000+     0.15% 0.15%

Savings Accounts

Thrift n/a $50 $100 0.05% 0.05%
Statement n/a $100 $0.01 0.05% 0.05%
Health Savings $0-999 $100 $.01 0.05% 0.05%
  $1,000-4,999     0.05% 0.05%
  $5,000-9,999     0.05% 0.05%
  $10,000+     0.05% 0.05%

Checking Accounts

Interest Checking n/a $200 $1,000 0.05% 0.05%
Relationship Interest Checking n/a $200 $0.01 0.05% 0.05%

Individual Retirement Accounts

Retirement Savings n/a $50 $50 0.10% 0.10%
Education IRA n/a $50 $50 0.10% 0.10%

Balance Method: We use the daily balance method to calculate interest.

Checking and Savings Accounts: The interest rates are variable rates and may change after the account is opened. Service fees may reduce earnings.

Penalties for early withdrawal on certificates:
Penalties may be assessed for early withdrawal for the following maturities:

Term                                               Penalty

Less than 1 year..........................3 month's interest

Greater than or equal
to 1 year but less
than 2½ years.............................6 month's interest

Greater than or equal
to 2½ years................................12 month's interest

Fixed Rate Certificates of Deposit: The interest rate and APY will be in effect until maturity.

*48 Month: You can switch to a higher rate currently offered one time before the maturity date of the certificate, otherwise the initial rate will be paid until maturity. You may make additions to this certificate of $1,000 or more. Penalties may be assessed for early withdrawal. Member FDIC.

Retirement Certificates of Deposit: Our fixed rate certificates of deposit are available as IRA investments at the posted rates and yields.

Member FDIC