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Savings Account $50 Minimum to Open Maximum of 6 Debits Per Month and $2.50 Per Additional Debit No Minimum Balance Free Online Banking Interest Bearing at .50% **APY: .50%   Youth Savings Must be under the age of 18 $50 Minimum to Open No Minimum Balance Maximum of 6 Debits Per Month and $2.50 Per Additional Debit Free Online Banking Interest Bearing at .50% **APY: .50% Money Market $100 Minimum to Open $5 Per Month if Balance falls below $2500 Limited to 6 Debits per month, 3 can be made by Check Earns Interest on a Tiered Rate of: $0 to $2,499.99 = Rate: .50% APY: .50%** $2500 to $24,999.99 = Rate: 1.00% APY: 1.00%** $25,000 to $49,999.99 = Rate: 1.50% APY: 1.51%** $50,000 and Over = Rate: 1.75% APY: 1.76%** Rate may change after account is opened.   Certificate of Deposits 182 Day Rate - 3.00% APY - 3.05%** 12 Month Rate - 3.25% APY - 3.30%** 18 Month Rate - 3.50% APY - 3.56%** 24 Month Rate - 3.50% APY - 3.56%** $1000 Minimum and Penalty for Early Withdrawal **APY = Annual Percentage Yield Rates Effective as of July 28, 2008 Fees can reduce earnings on account. If balance falls below minimum requirement, account will be subject to a service charge. Any service charge or fees may reduce the disclosed yield. Contact a new accounts representative for further information about applicable fees and terms. *APY: Annual Percentage Yield Rates are subject to change without prior notification. MEMBER FDIC

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