TIME DEPOSITS
Annual Pecentage Yields

Minimum balance to open and obtain the disclosed Annual Percentage Yield-$1,000.00

 

 

 

Interest will compound monthly and be credited to the account monthly.

 

 

 

    CD Term         Rate*         APY**

  91 Day CD        2.60         2.63

 6 Month CD        2.70         2.73

12 Month CD        2.75         2.78

18 Month CD        2.75         2.78

24 Month CD        3.00         3.04

36 Month CD        3.25         3.30

48 Month CD        3.50         3.56

60 Month CD        3.75         3.82

*Interest Rate
**Annual Percentage Yield
Annual Percentage Yields are accurate as of February 8, 2007
These rates are subject to change without notice.

Substantial penalty for early withdrawal.

 

 


EARNINGS ACCOUNTS
(Savings)

Minimum balance to open and obtain the disclosed Annual Percentage Yield - $5.00

 

 

Unlimited personal withdrawals

 

 

Three preauthorized transfers at no charge.

Please contact a branch for the current fixed interest rate and disclosure on this account


MONEY MARKET

Minimum balance to open and to obtain the disclosed Annual Percentage Yield - $1,500.00

 

 

$1,000.00 daily balance or $7.00 monthly service fee

 

 

Six transactions allowed per month. Three debits by which can be checks to third parties
and three transfers by telephone or in person.

Interest will compound monthly and be credited to the account monthly.

 

Rate Tiers That May Affect This Account

         Balance                   Rate*         APY**
   $1,500.00 -  $29,999.99        0.80%        0.80%
  $30,000.00 -  $49,999.99        1.25%        1.26%
  $50,000.00 -  $74,999.99        1.90%        1.92%
  $75,000.00 - $149,999.99        2.10%        2.12%
 $150,000.00 - $199,999.99        2.20%        2.22%
 $200,000.00 - $249,999.99        2.30%        2.32%
 $250,000.00 or more              2.50%        2.53%

*Interest Rate
**Annual Percentage Yield
Annual Percentage Yields are accurate as of April 4, 2007.
These rates are subject to change without notice.

 

Rates may vary by bank location and are subject to change without notice. Fees could reduce earnings. We use the daily balance method to calculate the interest on accounts. This method applies a daily periodic rate to the principal in the account each day.


 


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