Certificates of Deposit(CD) Rates current as of 02/28/2014
CD Term
Minimum Deposit
Rate
APY
90 Day
$5,000
0.25%
0.25%
180 Day
$1,000
0.35%
0.35%
12 Month
$1,000
0.40%
0.40%
24 Month
$1,000
0.75%
0.75%
36 Month
$1,000
call for rate
call for rate
48 Month
$1,000
call for rate
call for rate
13 Month-Special
$1,000
0.50%
0.50%
15 Month-Special
$1,000
0.65%
0.65%
Rates may Change at Bank's Discretion
Penalty for Early Withdrawal: CD term 1 year or less - 3 months interest penalty, CD term more than 1 year - 6 months interest penalty. Early withdrawal penalty may change the effective annual percentage yield. Fees may change the effective annual percentage yield.
APY - Annual Percentage Yield: Yield on Certificates of Deposit are based on quarterly compounding for 12 months.


Money Market, Checking and IRA CD Accounts-Rates current as of 02/28/2014
Account
Minimum to Open
Minimum Balance
Rate
APY
Fees
Money Market
Dormant fees may apply
$2,500-$9,999
$2,500
$2,500
.20%
.20%
$15 under $2,500 minimum balance
$10,000 and up
$2,500
.20%
.20%
Premier Money Market
Dormant fees may apply
$2,500 to $24,999
$25,000
$2,500
.20%
.20%
$15 under $2,500 minimum balance
$25,000 and UP
$2,500
.20%
.20%
Prime Money Market
Dormant fees may apply
$2500 to $74,999
$2,500
.20%
.20%
$15 under $2,500 minimum balance
$75,000 & UP
$75,000
$75,000
.30%
.30%
Checking Accounts
Dormant fees may apply
Health Savings Account
$5.00
$0.01
.10%
.10%
$0.50 per debit fee
Personal NOW
$500
$500
.10%
.10%
$500 minimum balance to avoid $7.50 fee
Plus Checking (55+)*
$25*
No Minimum
Non-Interest
For those age 55 and up
Regular Checking*
$25*
No Minimum
Non-Interest
$5.00 Service charge
waived with relationship
Regular Checking w/ Images
$25*
No Minimum
Non-Interest
$5.00 fee for images
included with statement
Savings Accounts
Excess debit fees may apply
Dormant fees may apply
Regular Savings
$300
$300
.15%
.15%
$5.00 fee if under minimum
Minor Savings
$5
$0.01
.15%
.15%
Fees waived until age 18
Golden Passbook
$2,500
$2,500
.20%
.20%
$25.00 fee if balance under $2,500
IRA CD Account
Available in fixed terms
from 1 to 4 years
rates same as CD of
same term.
1 Year Fixed Rate IRA
$1,000
$1,000
.40%
.40%
1 yr Fixed term
2 Year Fixed Rate IRA
$1,000
$1,000
.50%
.50%
2 yr Fixed term
Coverdell Edu. IRA
$50.00
$50.00
.40%
.40%
Terms fixed from 1 year to 4 years
APY - Annual Percentage Yield IRA CD rate based on quarterly compounding, annual yield. All of the deposit products listed are FDIC insured.
Money Market Account - interest will not be paid if funds are withdrawn before the last day of the month. Limited to 6 checks per month. Fees may change the effective annual percentage yield.


Commercial Deposit Accounts-Rates current as of 02/28/2014
Account Type
Minimum to Open
Minimum Balance
Rate
APY
Fee
Business NOW
$1,000
$1,000
.10%
0.10%
$10.00 fee if under minimum balance
Corporate/Business Checking
No minimum
No Minimum
Non-Interest Bearing
Dormant Fees May Apply
$5 Monthly Fee
Regular Business Savings
$300 to earn interest
$300 to avoid fee
.15%
.15%
$5.00 fee if under $300 minimum
Business Money Market
Dormant fees may apply
$25,000 and up
$25,000
$25,000
.20%
.20%
$15.00 fee if under minimum
$5.00 Excess debit fees may apply
No Fee Corporate Checking
No minimum
No minimum
$25,000 Business
Money Market Required
Fees may apply if under minimum
Business Money Market Account - Interest will not be paid if funds are withdrawn before the last day of the month. Fees and penalty may change effective annual percentage yield. Limited to 6 checks per statement cycle.
APY - Annual Percentage Yield - on above Commercial checking accounts, Money Market accounts and Golden Passbook savings accounts, yield is based on interest compounded monthly to account. Fees may change the effective annual percentage yield.
Regular Business Savings is compounded quarterly.
Deposits FDIC insured up to $250,000. Call (906) 265-5131 or (877) 906-5131 for more information.

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