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Business Rates on Deposits

RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE.
APY=Annual Percentage Yield

Account Compounding Minimum Balance Rate APY
SHARE SAVINGS Daily $25 0.20% 0.20%
SHARE DRAFT        
Value Plan* None None 0.00% 0.00%
Value Plan Plus* Daily $1,000-$1,999 0.20% 0.20%
Value Plan Plus** Daily $2,000 and above 0.40% 0.40%
MONEY MARKETS Monthly $5,000-$9,999 0.35% 0.35%
  Monthly $10,000-$24,999 .45% .45%
  Monthly $25,000-$39,999 .55% .55%
  Monthly $40,000-$74,999 .65% .65%
  Monthly $75,000 and above .80% .80%

** $15 monthly maintenance fee on balances below $5,000 and no dividend earned for that period.

Term Certificates (Minimum Balance $500)

Compounding Term Rate APY
Monthly 3 mos .40% .40%
Monthly 6 mos .50% .50%
Monthly 12 mos 1.10% 1.11%
Monthly 18 mos 1.40% 1.41%
Monthly 24 mos 1.70% 1.71%
Monthly 30 mos 1.90% 1.92%
Monthly 36 mos 2.10% 2.12%
Monthly 48 mos 2.25% 2.27%
Monthly 60 mos 2.75% 2.78%