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DEPOSIT RATES

See "Disclosure of Account Terms" for details of particular program type.

Rates effective as of July 1, 2014

CERTIFICATES OF DEPOSIT (4,5,6,8,9,13)
TERM INTEREST RATE ANNUAL PERCENTAGE YIELD (3)   INTEREST RATE ANNUAL PERCENTAGE YIELD (3)  
3 Months 0.25% 0.25% Special Rate CD: 5 Month N/A   N/A  
6 Months 0.40% 0.40%        
9 Months 0.45% 0.45%        
12 Months 0.50% 0.50%        
15 Months 0.50% 0.50%        
18 Months 0.55% 0.55%        
24 Months 0.75% 0.75%        
 27 Months 0.75%  0.75%         
30 Months 0.90% 0.90%        
 36 Months 1.00%  1.00%         
48 Months 1.50% 1.51%        
60 - 120 Months 1.99% 2.00%        



SAVINGS PROGRAMS
REGULAR PASSBOOK SAVINGS (1,2,6) 
Account Balance Interest Rate Annual Percentage Yield (APY)(3) Minimum to Open Minimum to Avoid Fees Minimum to Earn Interest  
$0-49.99 0.00% 0.00% $50 $50 $50  
$50-999.99 0.01% 0.01% - -    
$1,000 - 4,999.99 0.02% 0.02% - - -  
$5,000 + 0.05% 0.05% - - -  



PREFERRED SAVINGS - PASSBOOK (1,2,6)
Account Balance Interest Rate Annual Percentage Yield (APY)(3) Minimum to Open Minimum to Avoid Fees Minimum to Earn Interest  
$0-2,499.99 0.00% 0.00% $2,500 $2500 $2,500  
$2,500-4,999.99 0.02% 0.02% - -    
$5,000-24,999.99 0.02% 0.02% - - -  
$25,000-49,999.99 0.05% 0.05% - - -  
$50,000.00 0.10% 0.10% - - -  



STATEMENT SAVINGS (1,2,7)
Account Balance Interest Rate Annual Percentage Yield (APY)(3) Minimum to Open Minimum to Avoid Fees Minimum to Earn Interest  
$0-49.99 0.00% 0.00% $50 $50 $50  
$50-999.99 0.02% 0.02% - - -  
$1,000-4,999.99 0.02% 0.02% - - -  
$5,000+ 0.05% 0.05% - - -  



INTEREST PLUS SAVINGS (1,2,7)
Account Balance Interest Rate Annual Percentage Yield (APY)(3) Minimum to Open Minimum to Avoid Fees Minimum to Earn Interest  
$0-2,499.99 0.00% 0.00% $2,500 $2,500 $2500  
2,500-24,999.99 0.05% 0.05% - - -  
25,000+ 0.15% 0.15% - - -  



MONEY MARKET SAVINGS (1,2,6)
Existing accounts only; No new accounts
Account Balance Interest Rate Annual Percentage Yield (APY)(3) Minimum to Open Minimum to Earn Interest Existing accounts only;No new accounts  
$0-49.99 0.00% 0.00% - $50    
$50-999.99 0.02% 0.02% - -    
$1,000+ 0.05% 0.05% - -    



CHRISTMAS CLUB SAVINGS(1,10)
Account Balance Interest Rate Annual Percentage Yield (APY)(3) Minimum to Open Minimum to Avoid Fees Minimum to Earn Interest  
  0.01% 0.01% $25 n/a $25  



CHECKING PROGRAMS
PERSONAL CHECKING(1,2,7) 
Account Balance Interest Rate Annual Percentage Yield (APY)(3) Minimum to Open Minimum to Avoid Fees Minimum to Earn Interest  
  0.00% 0.00% $50 n/a -  



PREFERRED CHECKING(1,2,7)
Account Balance Interest Rate Annual Percentage Yield (APY)(3) Minimum to Open Minimum to Avoid Fees Minimum to Earn Interest  
0 - 999.99 0.00% 0.00% $1,000 $1,000 $1000  
1,000 - 4,999.99 0.01% 0.01% - -    
5,000 - 24,999.99 0.02% 0.02% - -    
25,000 - 49,999.99 0.05% 0.05% - -    
50,000+ 0.10% 0.10% - -    



BUSINESS: PROFESSIONAL CHECKING (52-image)(1,7)
Account Balance Interest Rate Annual Percentage Yield (APY)(3) Minimum to Open Minimum to Avoid Fees Minimum to Earn Interest  
  0.10% 0.10% $100 $500 $1000  



BUSINESS: CORPORATE CHECKING (11)
Account Balance Interest Rate Annual Percentage Yield (APY)(3) Minimum to Open Minimum to Avoid Fees Minimum to Earn Interest  
  0.00% 0.00% $100 $500 n/a  



I R A s (Individual Retirement Accounts)
Any CDs' term/rates shown may be applied to an IRA, except 3 month or any Special CDs; Fixed-rate IRAs credit/compound monthly
18 Month Variable-rate IRA 0.25% interest rate yielding 0.25% Annual Percentage Rate (effective 07/01/14) (Variable rate-changes quarterly; credits/compounds quarterly)



(1) Variable-rate IRA subject to change quarterly; credits/compounds quarterly
(2) Daily interest earned on collected balance for number of days balance falls within the various tiers at the corresponding rates
(3) Earned interest must be left in account to compound to earn APY. Any fees would reduce an account's APY.
(4) CD Penalties for early withdrawal: equal to the one-half the original term's interest (earned or unearned)
(5) Certificates earn a fixed interest rate; no additions can be made until maturity
(6) Compounds/credits quarterly; For CDs: Monthly checks available on CDs except 3 month CD, which credits interest to account at maturity only
(7) Compounds/credits monthly
(8) All Certificates minimum balance to open = $500.00
(9) Certificates automatically renew at the current rate paid on the particular term; a grace period of ten (10) days is granted
(10) No withdrawals permitted until mid October when checks are issued; simple interest earned
(11) Earnings credit earned to reduce monthly service fees
(12) Rates and terms subject to change without notice. Contact your local branch for current deposit rates.
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