The Annual Percentage Yields (APYs*) stated below are accurate as of November 01, 2014.

CERTIFICATES OF DEPOSIT **

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Renewable Certificates of Deposit or IRA CDs - Less than 3 Years

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Maturities less than 1 year.
Minimum balance to open: $1,000.00.
Maturities between 1 year and 3 years.
Minimum balance to open: $1,000.00.

Renewable Certificates of Deposit or IRA CDs - 3 or More Years

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Minimum balance to open: $1,000.00.

Non-Renewable Certificates of Deposit - 30 Days or Less

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MaturitiesMinimum balance to open: $100,000.00.

SAVINGS ACCOUNTS ***

Regular Savings or Savings IRA

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No minimum balance to open. A service charge of $3.00 will be imposed every month if the balance in the account falls below $300.00 any day of the month. This charge is waived for customers under 26 years of age.

SavingsFirst

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Minimum balance to open: $5,000.00.

Health Savings Account

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No minimum balance to open. A service charge of $3.00 will be imposed every month if the balance in the account falls below $1,000.00 any day of the month.

You must maintain a minimum balance of $5,000.00 in the account each day to obtain the disclosed annual percentage yield.

Enhanced Yield Money Market

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Minimum balance to open: $50,000.00.

CHECKING ACCOUNTS ***

Personal Interest Checking

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You must deposit $100.00 to open this account. A service charge of $5.00 will be imposed every month if the balance in the account falls below $5,000.00 any day of the month.

You must maintain a minimum balance of $5,000.00 in the account each day to obtain the disclosed annual percentage yield.

Premium Money Market

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Minimum balance to open: $50,000.00.

* APY is Annual Percentage Yield.
** Certificates of Deposit may be subject to early withdrawal penalties.
*** Rates may vary after account opening. Fees may reduce earnings on the accounts.