Savings Rates

We post our rates as a convenience to you. Rates are subject to change without notice, when in doubt, please contact the bank.

This Truth in Savings Account Rate Disclosure Sheet is Accurate as of:
February 6, 2017.

Certificates of Deposit

Description Minimum to Open Minimum to Earn Stated APY Interest Payment Frequency Simple Interest Rate Annual Percentage Yield Notes
Six Month Certificate 500.00 500.00 Quarterly 0.150% 0.150% P, R
Twelve Month Certificate 500.00 500.00 Quarterly 0.200% 0.200% P, R
Sixteen Month Hip Pocket Special 500.00 500.00 Quarterly 0.850% 0.853% P, R
Sixty Month Hip Pocket Special 500.00 500.00 Quarterly 2.150% 2.167% P, R

IRA / Roth / CESA Certificates

Description Minimum to Open Minimum to Earn Stated APY Interest Payment Frequency Simple Interest Rate Annual Percentage Yield Notes
Eighteen Month Certificate 250.00 250.00 Quarterly 0.350% 0.351% P, R
Thirty Month Certificate 250.00 250.00 Quarterly 1.000% 1.005% P, R
Forty-Eight Month Certificate 250.00 250.00 Quarterly 1.700% 1.715% P, R
Sixty Month Certificate 250.00 250.00 Quarterly 1.300% 1.309% P, R

**Note** In the event the Owner dies or is adjudicated incompetent, or if the Owner has attained the the age of 59 1/2 or is disabled (as defined in 26 U.S.C. Section 72 (m)(7)), a penalty for early withdrawal will not be imposed.

Statement Savings and Transaction Accounts

Description Minimum to Open Minimum to Earn Stated APY Interest Payment Frequency Simple Interest Rate Annual Percentage Yield Notes
Tier One Statement Savings - Balances Less than $100.00 10.00 99.99 Quarterly 0.000% 0.000% R, S
Tier Two Statement Savings - Blances $100 to $9,999.99 10.00 100.00 Quarterly 0.150% 0.150% R, S
Tier Three Statement Savings - Balances $10,000 to $49,999.99 10.00 10,000.00 Quarterly 0.200% 0.200% R, S
Tier Two Statement Savings - Balances $50,000 or more 10.00 50,000.00 Quarterly 0.250% 0.250% R, S

LifeStyle Now and Senior Now Accounts

Description Minimum to Open Minimum to Earn Stated APY Interest Payment Frequency Simple Interest Rate Annual Percentage Yield Notes
Tier One NOW Account Balances Less than $1,000.00 50.00 999.99 Monthly 0.000% 0.000% C, R, S
Tier Two NOW Account Balances $1,000 to $2,499.99 50.00 1000.00 Monthly 0.100% 0.100% C, R, S
Tier Three NOW Account Balances $3,500 to $74,999.99 50.00 2,500.00 Monthly 0.100% 0.100% C, R, S
Preferred NOW Account Balances $75.000 and above 50.00 75,000.00 Monthly 0.250% 0.250% C, R, S

LifeStyle Money Market Deposit Accounts

Description Minimum to Open Minimum to Earn Stated APY Interest Payment Frequency Simple Interest Rate Annual Percentage Yield Notes
Tier One MMDA - Balances less than $2,500 100.00 2,500.00 Monthly 0.000% 0.000% C, R, S
Tier Two MMDA - Balences $2,500 to $24,999.99 100.00 2,500.00 Monthly 0.200% 0.200% C, R, S
Tier Three MMDA - Balances $25,000 to $49,999.99 100.00 25,000.00 Monthly 0.250% 0.250% C, R, S
Tier Four MMDA - Balances $50,000 to $74,999.99 100.00 50,000.00 Monthly 0.300% 0.300% C, R, S
Tier Five MMDA - Balances $75,000 to $99.999.99 100.00 75,000.00 Monthly 0.300% 0.300% C, R, S
Tier Six MMDA - Balances $100,000 or more 100.00 100,000.00 Monthly 0.400% 0.401% C, R, S

Notes:

C     Interest is Paid Monthly on the Account Statement Cycle Date.

P     A Penalty May Be Imposed on Funds Withdrawn prior to Maturity on All Time Deposit Accounts.

R     Request Further Information from Our Staff Concerning the Fees and Terms Applicable to the Advertised Accounts.

S     Service Charges and other Fees associated with these accounts may reduce stated APY and rates may change after the account is opened.