Deposit Rates

Rates for qualified borrowers as of May 18th, 2012 and subject to change.

Checking AccountsAccount BalanceDividend RateAPY*
Rewards Checking$0 - $15,0003.348%3.400%
Over $15,000.499%0.500%
If qualifications are not met0.100%0.100%

*APY = Annual Percentage Yield.

Savings AccountsDividend RateAPY*
Base Savings

Under $1,000

0.100%0.100%
Base Savings

$1,001 - $10,000

0.200%0.200%
Base Savings

Over $10,001

0.300%0.300%
IRA Savings1.000%1.004%
Health Savings1.500%1.510%
Christmas Club

(Paid annually on Nov 1)

0.7500%0.7520%
Vacation Club

(Paid annually on June 1 or prior if requested)

0.7500%0.7520%

*APY = Annual Percentage Yield.

Money Market AccountsAccount BalanceDividend RateAPY*
First Market$0 - $2,4990.000%0.000%
$2,500 - $9,9990.200%0.200%
$10,000 - $24,9990.300%0.300%
$25,000 - $49,9990.400%0.400%
$50,000 - $99,9990.500%0.501%
Over $100,0000.550%.551%
High Yield$0 - $49,9990.000%0.000%
Over $50,0000.750%0.752%

*APY = Annual Percentage Yield.

Certificate Accounts**TermDividend RateAPY*
Minimum balance: $1,000***12 Months0.400%0.400%
24 Months0.7500%0.752%
36 Months1.200%1.205%
48 Months1.650%1.660%

60 Months1.850%1.863%
Certificate Special39 Months1.440%1.450%

*APY = Annual Percentage Yield. **APY assumes dividends will remain on deposit until certificate maturity date. Penalty for early withdrawal. Withdrawls or fees may reduce earnings. Please refer to current fee schedule. *** Minimum balance $1,000. Minimum balance for Youth Accounts is $500 (under age 18).

Certificate Accounts**TermDividend RateAPY*
Minimum balance: $10,0006 Months0.400%0.400%
12 Months0.650%0.652%
24 Months1.000%1.004%
36 Months1.400%1.407%
48 Months1.800%1.812%
60 Months1.950%1.964%

*APY = Annual Percentage Yield. **APY assumes dividends will remain on deposit until certificate maturity date. Penalty for early withdrawal. Withdrawls or fees may reduce earnings. Please refer to current fee schedule.