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Certificate of Deposit
Description Annual Percentage Yield Interest Rate Minimum Opening Balance Minimum Balance Variable Index for Variable Rate
91 day Certificate of Deposit 0.15% 0.15% $1,000.00 $1,000.00
182 day Certificate of Deposit 0.25% 0.25% $1,000.00 $1,000.00
1 year Certificate of Deposit 0.40% 0.40% $1,000.00 $1,000.00
18 month Certificate of Deposit 0.60% 0.60% $1,000.00 $1,000.00
24 month Certificate of Deposit 0.70% 0.70% $1,000.00 $1,000.00
30 month Certificate of Deposit 0.75% 0.75% $1,000.00 $1,000.00
36 month Certificate of Deposit 1.00% 1.00% $1,000.00 $1,000.00
A penalty may be imposed for withdraws before maturity.

Checking
Description Annual Percentage Yield Interest Rate Minimum Opening Balance Minimum Balance Variable Index for Variable Rate
NOW Checking Account 0.10% 0.10% $1,000.00 $0.00 Yes
Fees could reduce earnings.
Rates are subject to change at the discretion of the Bank on all variable rate (Variable) accounts.

Savings
Description Annual Percentage Yield Interest Rate Minimum Opening Balance Minimum Balance Variable Index for Variable Rate
Savings Account 0.25% 0.25% $250.00 $0.00 Yes
Fees could reduce earnings.
Rates are subject to change at the discretion of the bank on all variable rate (Variable) accounts.

Tiered Money Market Account
Description Annual Percentage Yield Interest Rate Minimum Opening Balance Minimum Balance Variable Index for Variable Rate
Less than $1,000 0.10% 0.10% $1,000.00 $0.00 Yes
1,000.01 to 25,000 0.10% 0.10% $1,000.00 $1,000.01 Yes
$25,000.01 to $100,000 0.20% 0.20% $1,000.00 $25,000.01 Yes
$100,000.01 to $200,000 0.25% 0.25% $1,000.00 $100,000.01 Yes
Over 200,000.01 0.30% 0.30% $1,000.00 $200,000.01 Yes
Fees could reduce earnings.
Rates are subject to change at the discretion of the bank on all variable rate accounts.

Interest rates and annual percentage yields (APY) effective as of 11/24/2014
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