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Effective February 7, 2012 to February 13, 2012
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| TERM |
MINIMUM BALANCE |
COMPOUNDING |
EARLY WITHDRAWAL PENALTY |
RATE |
APY |
| 91 Days |
$2,500 |
at maturity |
31 days interest |
0.20% |
0.20% |
| 6 Month |
$2,500 |
at maturity |
3 months interest |
0.35% |
0.35% |
| 1 Year * |
$500 |
semi-annually |
3 months interest |
0.45% |
0.45% |
| 18 Month * |
$500 |
quarterly |
6 months interest |
0.50% |
0.50% |
| 2 Year * |
$500 |
semi-annually |
6 months interest |
0.70% |
0.70% |
| 30 Month * |
$500 |
quarterly |
6 months interest |
0.80% |
0.80% |
| 3 Year (Step Up)** |
$500 |
semi-annually |
6 months interest |
1.00% |
1.00% |
| 60 Month * |
$500 |
semi-annually |
6 months interest |
1.70% |
1.71% |
| 60 Month (No Penalty) *** |
$500 |
semi-annually |
6 months interest |
0.40% |
0.40% |
| 10 Year * |
$500 |
semi-annually |
6 months interest |
2.15% |
2.16% |
| Passbook Savings |
$50 |
quarterly |
not applicable |
0.40% |
0.40% |
| Now Checking |
$250 |
monthly |
not applicable |
0.10% |
0.10% |
| Tri-Checking |
$1,000 |
monthly |
not applicable |
0.25% |
0.25% |
| Education Savings |
$10 |
quarterly |
call for details |
0.75% |
0.75% |
| * IRA's available in these terms. Minimum initial deposit for an IRA is $50.00 |
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| ** "Step Up" feature not available for IRA's |
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| *** One withdrawal without penalty after initial seven days. After first withdrawal penalty applies |
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| APY denotes "Annual Percentage Yield" |
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