Rates are current as of September 21, 2011 * The Annual Percentage Yield assumes funds will remain on deposit for a full year at the advertised rate. ** Funds must remain on deposit until maturity to earn the advertised yield. Substantial penalty may apply for early withdrawals. *** This is a variable rate account. The interest rate and APY may change at any time after the account is opened. Fees could reduce earnings for the applicable accounts. ****If your daily balance is $75,000.00 or more, the interest rate paid on the entire balance in your account will be at the tier two rate. If you daily balance is $74,999.00 or less, the interest rate paid on the entire balance will be at the tier one rate. Certificate of Deposit
Maturity Type Interest Rate % Annual Percentage Yield (APY) Minimum Balance to Open ($) Compounding Frequency Early Withdrawal Penalties** 3 Month .25 .25 500 Semi-Annually 90 Days 6 Month .50 .50 500 Semi-Annually 90 Days 12 Month .60 .60 500 Semi-Annually 180 Days 18 Month .65 .65 500 Semi-Annually 180 Days 24 Month .75 .75 500 Semi-Annually 180 Days 30 Month .90 .90 500 Semi-Annually 180 Days 48 Month 1.74 1.74 500 Semi-Annually 180 Days 9 Month .50 .50 500 Quarterly 90 Days
Account Type Interest Rate*** % Annual Percentage Yield (APY)* Minimum Balance to Open ($) Minimum Balance to Earn stated (APY) Now Account*** .15 .15 500 0.00 Super Now Account*** .18 .18 1000 0.00 MMA Account*** .25 .25 1000 0.00 Hi Performance MMA Account**** Tier 1*** .25 .25 10,000 - 74,999.99 0.00 Tier 2*** .35 .35 75,000.00 75,000.00 + Savings Account*** .30 .30 25.00 0.00

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