Current Rates

Annual Percentage Yield (APY) Effective 3/15/2012
Savings & Checking	Minimum Deposit	Interest Rate	Monthly APY	Quarterly APY	Semi-Annual APY	Annual APY
SAVINGS	$50.00	0.20%		0.20%
NOW CHECKING	$200.00	0.15%	0.15%
SUPER NOW CHECKING	$2,500.00	0.25%	0.25%
MONEY MARKET	$2,500.00	0.25%	0.25%
Certificates of Deposit	Minimum Deposit	Interest Rate	Monthly APY	Quarterly APY	Semi-Annual APY	Annual APY
12 MONTH CERTIFICATE	$500.00	0.60%	0.60%	0.60%	0.60%	0.60%
24 MONTH CERTIFICATE	$500.00	0.85%	0.85%	0.85%	0.85%	0.85%
36 MONTH CERTIFICATE	$500.00	1.15%	1.16%	1.15%	1.15%	1.15%
48 MONTH CERTIFICATE	$500.00	1.30%	1.31%	1.31%	1.30%	1.30%
60 MONTH CERTIFICATE	$500.00	1.45%	1.46%	1.46%	1.46%	1.45%
Retirement Accounts	Minimum Deposit	Interest Rate	Monthly APY	Quarterly APY	Semi-Annual APY	Annual APY
12 MONTH IRA	$50.00	0.60%			0.60%
18 MONTH IRA	$50.00	0.70%			0.70%
24 MONTH IRA	$50.00	0.85%			0.85%
36 MONTH IRA	$50.00	1.15%			1.15%
48 MONTH IRA	$50.00	1.30%			1.30%
Coverdell Education Savings Accounts	Minimum Deposit	Interest Rate	Monthly APY	Quarterly APY	Semi-Annual APY	Annual APY
12 MONTH IRA	$50.00	0.75%			0.75%
18 MONTH IRA	$50.00	0.85%			0.85%
24 MONTH IRA	$50.00	1.00%			1.00%
36 MONTH IRA	$50.00	1.30%			1.30%
48 MONTH IRA	$50.00	1.45%			1.45%

ANNUAL PERCENTAGE YIELD (APY) ASSUMES INTEREST WILL REMAIN ON DEPOSIT UNTIL MATURITY. A WITHDRAWAL WILL REDUCE EARNINGS. A SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL.

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