Rates - Effective August 10, 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. 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