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Rates Effective Date
As of Wednesday, February 01, 2012


  Savings & Money Market Certificates IRAs Loans Mortgages Business Accounts
ProductAPY%APR%Minimum Opening DepositMinimum Balance to Avoid a FeeBalance Computation MethodMinimum Balance to earn APYCompounding MethodCrediting Frequency
Regular & Youth Savings and Money Market Accounts
Money Market Account Tier 10.50%0.50% $1.00N/ADaily $500.00MonthlyMonthly1,3
Money Market Account Tier 20.65%0.65% $1.00N/ADaily $25,000.00MonthlyMonthly1,3
Money Market Account Tier 30.80%0.80% $1.00N/ADaily $50,000.00MonthlyMonthly1,3
Youth Savings Account - Balance up to $1,0004.00%3.94% $5.00N/ADaily $5.00QuarterlyQuarterly1,3
Youth Saving Account - Balance over $1,0001.00%1.00% $5.00N/ADaily $5.00QuarterlyQuarterly1,3
Student Checking0.10%0.10% $0.00N/ADaily $2,500.00MonthlyMonthly1
Bonus Checking (formerly Free Checking)1.00%1.00% $0.00No minimum balance Daily $0.00MonthlyMonthly1,4
Savings Accounts 0.40%0.39% $5.00N/ADaily $5.00QuarterlyQuarterly1
Dividends are calculated on a day of deposit to day of withdrawal basis. For crediting frequency and compounding method, refer to the dividend payment column above. Fees or other conditions could affect could affect earnings. APY's are accurate as of above date.

1Variable rate accounts. 2Penalties may be imposed for early withdrawal. Other rates and terms available upon request.
3Tier bands are based on daily deposited balances. Current Prime is 3.25%.
4Online banking with eStatements, 15 point-of-sale purchases with debit card, Direct Deposit

APY% = Annual Percentage Yield (APY)%
APR=Dividend Rate%



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