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Rates as of Wednesday, January 30, 2012

Type of Account APY* Interest Rate
Savings Account 0.15% 0.15%
Now Account 0.10% 0.10%
Money Market Checking Account - Under $100K 0.10% 0.10%
          $100 K - $499,999.99 0.15% 0.15%
          $500K & Over 0.20% 0.20%

Certificate of Deposit (minimum Deposit $1,000.00) APY* Interest Rate
30 Day 0.10% 0.10%
90 Day 0.15% 0.15%
6 Month 0.25% 0.25%
12 Month 0.40% 0.40%
18 Month 0.50% 0.50%
24 Month 0.60% 0.60%

Jumbo Certificate of Deposit ($100,000.00 and over) APY* Interest Rate
30 Day 0.10% 0.10%
90 Day 0.15% 0.15%
6 Month 0.25% 0.25%
12 Month 0.40% 0.40%
18 Month 0.50% 0.50%
24 Month 0.60% 0.60%

IRAs APY* Interest Rate
12 Month Fixed 0.40% 0.40%
18 Month Fixed 0.50% 0.50%
12 Month ROTH IRA 0.40% 0.40%
12 Month Education IRA 0.40% 0.40%

* APY = Annual Percentage Yield. The APY assumes funds will remain on the deposit a full year at the advertised rate. At our discretion, we may change the interest rate and APY on the above listed accounts at any time.

PENALTY FOR EARLY WITHDRAWAL
FOR ADDITIONAL INFORMATION ABOUT FEES AND TERMS OF ACCOUNTS, PLEASE CONTACT BANK PERSONNEL.

 



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