A penalty may be imposed for early withdrawal on certificates of deposit.  The interest rate and annual percentage yield may change after account opening on checking and savings accounts.
CD TERM	MINIMUM TO OPEN	INTEREST RATE	APY	PENALTIES
30 Day Certificate of Deposit	$10,000.00	0.5485%	0.5500%	30 days of interest
60 Day Certificate of Deposit	$10,000.00	0.9950%	1.0000%	60 days of interest
90 Day Certificate of Deposit	$10,000.00	1.4889%	1.5000%	90 days of interest
6 Month Add-On Certificate	$1,000.00	1.9313%	1.9500%	90 days of interest
6 Month Certificate of Deposit	$1,000.00	2.2251%	2.2500%	90 days of interest
1 Year Certificate of Deposit	$1,000.00	2.5181%	2.5500%	180 days of interest
18 Month Certificate of Deposit	$1,000.00	2.7130%	2.7500%	270 days of interest
2 Year Certificate of Deposit	$1,000.00	2.9560%	3.0000%	360 days of interest
3 Year Certificate of Deposit	$1,000.00	3.1984%	3.2500%	540 days of interest
4 Year Certificate of Deposit	$1,000.00	3.3436%	3.4000%	720 days of interest
5 Year Certificate of Deposit	$1,000.00	3.6816%	3.7500%	720 days of interest
Current Specials
7 Month CD Special	$1,000.00	2.8103%	2.8500%	180 days of interest
13 Month CD Special	$1,000.00	3.0530%	3.1000%	180 days of interest
27 Month Triple Choice CD	$5,000.00	3.4886%	3.5500%	360 days of interest
(27 Month Special has a 1 million dollar limit per customer)
CDARS:
4 Weeks (28 days)		0.5485%	0.5500%	28 days of interest
13 Weeks (91 days)		1.4889%	1.5000%	90 days of interest
26 Weeks (182 days)		2.2251%	2.2500%	90 days of interest
52 Weeks (364 days)		2.5181%	2.5500%	180 days of interest
2 Years (728 days)		2.9560%	3.0000%	360 days of interest
3 Years (1092 days)		3.1984%	3.2500%	540 days of interest
Regular Savings
Minimum to Open	$100.00	0.8464%	0.8500%
Interest Checking**
• Interest rates are subject to change
• Interest is compounded daily & paid monthly
Money Market Checking**
• Interest rate is subject to change
• Interest rate is based on a tiered structure that is compounded daily & paid monthly
Ultra Checking**
• Interest rate is subject to change
• Interest rate is based on a tiered structure that is compounded daily & paid monthly
H S A Checking**
• Interest rate is subject to change
• Interest rate is based on a tiered structure that is compounded daily & paid annually
Business Plus**
• Interest rates are subject to change
• Interest is compounded daily & paid monthly
Premium Business Account**
• Interest rate is based on a tiered structure that is compounded daily & paid monthly
**For current rates, please contact one of our customer service representatives at a branch near you.