Deposit Account Rates
Effective Date: 1/04/2010
| Account Type | Minumum Balance to Open | Minumum Balance to Earn Stated APY | Rate | Annual Percenage Yield (APY) | Compounding Frequency |
| Certificates of Deposit** | |||||
| 90 Days | $1,000 | $1,000 | 0.25% | 0.25% | Daily |
| 6 Months | $1,000 | $1,000 | 0.45% | 0.45% | Daily |
| 9 Months | $1,000 | $1,000 | 0.995% | 1.00% | Daily |
| 12 Months | $1,000 | $1,000 | 0.995% | 1.00% | Daily |
| 18 Months | $1,000 | $1,000 | 1.09% | 1.10% | Daily |
| 24 Months | $1,000 | $1,000 | 1.34% | 1.35% | Daily |
| 36 Months | $1,000 | $1,000 | 1.59% | 1.60% | Daily |
| 48 Months | $1,000 | $1,000 | 1.98% | 2.00% | Daily |
| 60 Months | $1,000 | $1,000 | 2.23% | 2.25% | Daily |
| Certificates of Deposit $100,000 and Up* | |||||
| 7 Day | $100,000 | $100,000 | 0.20% | 0.20% | Daily |
| 14 Day | $100,000 | $100,000 | 0.20% | 0.20% | Daily |
| 30 Day | $100,000 | $100,000 | 0.20% | 0.20% | Daily |
| 60 Day | $100,000 | $100,000 | 0.25% | 0.25% | Daily |
| 90 Day | $100,000 | $100,000 | 0.25% | 0.25% | Daily |
| 6 Month | $100,000 | $100,000 | 0.50% | 0.50% | Daily |
| 9 Month | $100,000 | $100,000 | 0.60% | 0.60% | Daily |
| 1 Year | $100,000 | $100,000 | 0.995% | 1.00% | Daily |
| 2 Year | $100,000 | $100,000 | 1.34% | 1.35% | Daily |
| 3 Year | $100,000 | $100,000 | 1.73% | 1.74% | Daily |
| 4 Year | $100,000 | $100,000 | 2.08% | 2.10% | Daily |
| 5 Year | $100,000 | $100,000 | 2.23% | 2.25% | Daily |
Substantial penalty for early withdrawal from certificates of deposit. Rates are subject to change without notice. Annual percentage yield assumes rates remain the same for one year on maturities less than one year and that interest is added to the principal on all accounts. At maturity, certificates renew for the rate and term in effect for that maturity range. Automatically renewable certificates are excluded from any special offering at the time of the renewal.
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