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Rates are current as of January17, 2013
Certificate of Deposit
| Maturity Type | Interest Rate % | Annual Percentage Yield (APY) | Minimum Balance to Open ($) | Compounding Frequency | Early Withdrawal Penalties** |
| 3 Month | .15 | .15 | 500 | Semi-Annually | 90 Days |
| 6 Month | .35 | .35 | 500 | Semi-Annually | 90 Days |
| 12 Month | .40 | .40 | 500 | Semi-Annually | 180 Days |
| 18 Month | .45 | .45 | 500 | Semi-Annually | 180 Days |
| 24 Month | .60 | .60 | 500 | Semi-Annually | 180 Days |
| 30 Month | .70 | .70 | 500 | Semi-Annually | 180 Days |
| 48 Month | 1.00 | 1.00 | 500 | Semi-Annually | 180 Days |
| Account Type | Interest Rate*** % | Annual Percentage Yield (APY)* | Minimum Balance to Open ($) | Minimum Balance to Earn stated (APY) |
| Now Account*** | .10 | .10 | 500 | 0.00 |
| Super Now Account*** | .15 | .15 | 1000 | 0.00 |
| MMA Account*** | .15 | .15 | 1000 | 0.00 |
| Hi Performance MMA Account**** | ||||
| Tier 1*** | .15 | .15 | 10,000 - 74,999.99 | 0.00 |
| Tier 2*** | .20 | .20 | 75,000.00 | 75,000.00 + |
| Savings Account*** | .30 | .30 | 25.00 | 0.00 |
* 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.
