DEPOSIT ACCOUNT RATES
As of December 16, 2011

Certificates of Deposit*

CD Special

Term	Simple Interest Rate	Annual Percentage Yield
24 Month Step-Up CD**	0.80%	0.80%

Consumer accounts only.  $1,000 minimum deposit.
**Interest must be compounded on the Step-Up CD.  
Customer may elect to change the rate on this account only once during the term.

 

	Monthly Term	Simple Interest Rate	Annual Percentage Yield
Certificates**	3 Month	0.30%	0.30%
	6 Month	0.45%	0.45%
	12 Month	0.60%	0.60%
	18 Month	0.65%	0.65%
	24 Month	0.80%	0.80%
	30 Month	0.95%	0.95%
	36 Month	1.19%	1.20%
	48 Month	1.64%	1.65%
	60 Month	1.73%	1.75%

* A penalty may be imposed for early withdrawal.  Interest will be credited annually or more frequently.
** $100 minimum deposit required for CD terms.

 
Interest-Bearing Checking*
 

	Simple Interest Rate	Annual Percentage Yield
NOW Account**     $1,000 minimum opening balance	0.15%	0.15%
Super NOW Account**     $2,500 minimum opening balance	0.25%	0.25%

* The rate may change daily.
** Fees may reduce the earnings on the account.


Savings*

	Balance	Simple Interest Rate	Annual Percentage Yield
Statement Savings $10 minimum opening balance		0.25%	0.25%
Money Market Savings Account** $2,500 minimum opening balance		0.25%	0.25%
Money Market Gold Account** $10,000 minimum opening balance	$0 to $9,999.99	0.25%	0.25%
	$10,000 to $24,999.99	0.30%	0.30%
	$25,000 to $49,999.99	0.40%	0.40%
	$50,000 and above	0.50%	0.50%

* The rate may change daily.
** Fees may reduce the earnings on the account.

 
IRAs (Individual Retirement Accounts)*

	Simple Interest Rate	Annual Percentage Yield
Traditional IRA Savings**     $50 minimum opening balance	1.49%	1.50%
Roth IRA**     $50 minimum opening balance	1.49%	1.50%
Coverdell Education**      $10 minimum opening balance	1.49%	1.50%
Simplified Employee Pension**      $50 minimum opening balance	1.49%	1.50%

* The rate may change daily.
**Fees may reduce the earnings on the account.