Our Current Rates

Certificates of Deposit
The following rates are effective as of February 20, 2014.

Term Current Rate APY* *Minimum to Open
31-90 Day** 0.05% 0.05% $500.00
91 Day** 0.05% 0.05% $500.00
6 Month** 0.10% 0.10% $500.00
12 Month** 0.15% 0.15% $500.00
18 Month** 0.30% 0.30% $500.00
24 Month** 0.40% 0.40% $500.00
30 Month** 0.45% 0.45% $500.00
36 Month** 0.55% 0.55% $500.00
48 Month ** 0.65% 0.65% $500.00
60 Month ** 0.75% 0.75% $500.00
*Annual Percentage Yield
**The interest rate and annual percentage yield will not change for the term of the account. Any withdrawal of all or part of the funds from your Certificate of Deposit prior to maturity may result in an early withdrawal penalty.

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IRAs
The following rates are effective as of February 20, 2014.

Account Type Current Rate APY* Minimum to Open
Traditional Fixed 0.25% 0.25% $50.00
Traditional Variable** 0.25% 0.25% $50.00
Roth Fixed 0.25% 0.25% $50.00
Roth Variable** 0.25% 0.25% $50.00
*Annual Percentage Yield
** This is a variable rate account. Your interest rate and annual percentage yield may change at any time without prior notice. Any withdrawal of all or part of the funds from your IRA prior to maturity may result in an early withdrawal penalty.

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Money Market Accounts
The following rates are effective as of February 20, 2014.

Account Type Current Rates APY* Minimum to Open
Money Market Deposit Account** 0.10% 0.10% $1,000.00
Premium Money Market Deposit Account up to $9,999.99** 0.10% 0.10% $10,000.00
Premium Money Market Deposit Account from $10,000.00 - $24,999.99** 0.10% 0.10% $10,000.00
Premium Money Market Deposit Account from $25,000.00 & over** 0.15% 0.15% $10,000.00
*Annual Percentage Yield
**This is a variable rate account. Your interest rate and annual percentage yield may change at any time without prior notice.

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Checking & Savings
The following rates are effective as of February 20, 2014.

Account Type Current Rate APY* Minimum to Open
Interest Checking** 0.02% 0.02% $500.00
Business Interest** 0.15% 0.15% $500.00
Checking Plus**+ 0.15% 0.15% $100.00
Personal Savings** 0.10% 0.10% $100.00
Minor Savings** 0.10% 0.10% $0.00
Business Savings** 0.10% 0.10% $200.00
Christmas Club** 1.04% 1.04% $5.00
*Annual Percentage Yield
** This is a variable rate account. Your interest rate and annual percentage yield may change at any time without prior notice.
+ A minimum daily balance of $2,500.00 is required to earn interest.

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