Variable Rate Deposit AccountsInterest RateAPY*Minimum to open accountMonthly Average Collected Balance to Obtain APY*
**Money Market Deposit Account
Tier 1 0.50% 0.50% $2,500.00 $0.00
Tier 2 0.61% 0.61% $2,500.00 $ 50,000.00 and Above
**Regular Savings Account 0.50% 0.50% $50.00 $100.00
Certificates of Deposit (CD) - Fixed Rate $1,000 minimum to open account and obtain APY*
$1,000 - $99,999
TermInterest RateAPY*
3 Months0.22%0.22%
6 Months0.32%0.32%
12 Months0.52%0.52%
1 1/2 Years0.67%0.67%
2 Years0.87%0.87%
3 Years0.92%0.92%
4 Years1.12%1.12%
5 Years1.42%1.42%
$100,000 or More
TermInterest RateAPY*
3 Months0.22%0.22%
6 Months0.32%0.32%
12 Months0.52%0.52%
1 1/2 Years0.67%0.67%
2 Years0.87%0.87%
3 Years0.92%0.92%
4 Years1.12%1.12%
5 Years1.42%1.42%
Annual Percentage Yield (APY) is calculated with interest paid or credited to the account at maturity on terms less than 12 months. APY is calculated with interest paid or
credited to the account quarterly on terms of 12 months or more. The actual APY may be different if interest is paid at a more (less) frequent interval.

**Service fees could reduce the earnings on the account(s)

There may be a substantial penalty for early withdrawal on all CD's
Interest Rates are subject to change at any time without notice

Applicable to individuals and customers and are not available for out-of-state and non-customer corporate requests.

Effective Date: 04/19/2013