Types of Accounts

*APY=Annual Percentage Yield Rate tiers are as follows: 2.27 % APY applies to balances $.01-$10,000.00 and .45% APY applies to balances over $10,000.00 as long as monthly qualifications are met each qualification cycle. 0.05% APY applies to all balances if qualifications are not met. Rate is accurate as of May 16, 2013. Rates may change after the account is opened. Fees may reduce earnings. Minimum balance to open the account is $100.00; however no minimum balance is required to obtain APY. No monthly service charge. Available to personal accounts only. ATM fee refunds up to $25.00 per cycle when qualifications are met. Qualifications must be met by the third Wednesday of the month. The qualification cycle begins on the 3rd Thursday of each month and ends on the 3rd Wednesday of the following month. Some transactions may take one or more business days from the date of the actual transaction to post and settle to the account. Qualifications required to earn interest and ATM refunds:

• Have at least one Automatic Payment or Direct Deposit post and settle per qualification cycle.
• Have at least 10 Debit Card purchases post and settle per qualification cycle.
• Receive monthly statement electronically.

Minimum balance required to open this account is $100.00 Earn Up to 3% cash back on up to a total of $200.00 debit card purchases that post and settle to the account during the qualification cycle up to a maximum cash back earned of $6.00 per monthly qualification cycle. When Cash Back qualifications are not met, you will not receive cash back on debit card purchases and ATM fees are not refunded. No minimum balance is required to obtain the cash back payment. No monthly service charge. Available to personal accounts only. ATM fee refunds up to $25.00 per cycle when qualifications are met. Qualifications must be met by the third Wednesday of the month. The qualification cycle begins on the 3rd Thursday of each month and ends on the 3rd Wednesday of the following month. Some transactions may take one or more business days from the date of the actual transaction to post and settle to the account. Qualifications required to earn cash back and ATM refunds:

• Have at least one Automatic Payment or Direct Deposit post and settle per qualification cycle.
• Have at least 10 Debit Card purchases post and settle per qualification cycle.
• Receive monthly statement electronically

• Minimum of $100 is required to open the account.
• There is no minimum balance to maintain, no below balance fee is applied.

• A minimum of $100 is required to open the account.
• A club account that offers a $5.00 discount on certain check styles or free club checks, accidental death and dismemberment insurance, requires no minimum balance, credit card protection service and much more. The insurance offered is not a deposit, not FDIC insured, not guaranteed by the Financial Institution, and not insured by any government agency.

• Interest rate may change monthly, interest is compounded monthly.
• If balance falls below $1000 during the statement cycle there is a $10.00 charge.

• Interest rate may change monthly, interest is compounded monthly.
• No more than six withdrawals or transfers may be made during each cycle by check, debit card, or similar payment order to third parties. Included in these six are also preauthorized or automatic transfer or telephone order or instruction to another account of yours. If you exceed the transfer limitations, your account will be subject to closure by the financial institution.
• A $5.00 fee applies for each debit in excess of the six.
• If balance falls below $1000 during the statement cycle there is a $10.00 charge.

• If balance falls below $1,000 there is a $10.00 charge.
• 20 checks allowed per cycle. 20 cents each after 20.

• Interest compounded daily, paid on calendar quarter, rate varies monthly.
• No more than six withdrawals or transfers may be made during each month by check, debit card, or similar payment order to third parties. Included in these six are also preauthorized or automatic transfer or telephone order or instruction to another account of yours.
• Three withdrawals allowed per quarter, $2.00 each transaction thereafter. If you exceed the transfer limitations, your account will be subject to closure by the financial institution.
• $5.00 per cycle when balance falls below $100

• Certificates of deposit are available in terms of 6 months, 1 year, 2 year, 3 year and 5 year.
• Interest rates vary.
• Penalty for early withdrawal on all certificates.
• Call the bank for rates.

• Individual Retirement Accounts are available to fit the individual needs.