Rates Subject to Change Weekly!

Rates valid from April 16, 2014 through April 22, 2014

Certificates require a minimum opening balance of $1,000.00 and IRA’s require a minimum opening balance of $500.00. Money Market and Checking accounts require a minimum opening balance of $50.00 and Savings accounts require a minimum opening balance of $25.00. Interest will be compounded every month for checking accounts, and quarterly for savings accounts. 1 and 3 month Certificates will compound at Maturity. All other Certificates and IRA’s will compound Semi-Annually. A penalty could be imposed on early withdrawals of Certificates and IRA’s. Fees could reduce earnings on the account.


CD / IRA RATES

Term Minimum Opening Balance Certificate Rates APY* Compound Period IRA Rates IRA APY*
3 MONTHS $1,000.00 0.15% 0.15% Maturity N/A N/A
6 MONTHS $1,000.00
$500.00 IRA
0.20% 0.20%
Semi-Annually
0.35% 0.35%
12 MONTHS $1,000.00
$500.00 IRA
0.40% 0.40%
 Semi-Annually
0.55% 0.55%






24 MONTHS $1,000.00
$500.00 IRA
0.60% 0.60%
Semi-Annually
0.75% 0.75%
30 MONTHS $1,000.00 0.70% 0.70%
Semi-Annually
N/A N/A
36 MONTHS $1,000.00
$500.00 IRA
0.90% 0.90%
Semi-Annually
1.05% 1.05%
48 MONTHS $1,000.00 1.25% 1.25% Semi-Annually N/A N/A
60 MONTHS $1,000.00 $500.00 IRA 1.65% 1.66% Semi-Annually 1.80% 1.81%

COMMUNITY MONEY MARKET RATES**

Interest Rate APY*
0 to $24,999.99 0.15% 0.15%
$25,000.00 to $49,999.99 0.20% 0.20%
$50,000.00 to $74,999.99 0.25% 0.25%
$75,000.00 & ABOVE 0.30% 0.30%

** A Minimum of $1,000.00 is required for Money Market Accounts to avoid a $10.00 service charge.


WALL STREET CHECKING***

Interest Rate APY*
0 to $2,499.99 0.10% 0.10%
$2,500.00 & ABOVE 0.15% 0.15%

*** A Minimum of $1,000.00 is required for Wall Street Checking to avoid a $8.00 service charge.


50+ CHECKING

Interest Rate APY*
NO MINIMUM AND NO SERVICE CHARGE 0.10% 0.10%

VIP CHECKING

Interest Rate APY*
NO MINIMUM AND NO SERVICE CHARGE 0.10% 0.10%

NO MINIMUM INTEREST CHECKING

Interest Rate APY*
NO MINIMUM AND NO SERVICE CHARGE 0.10% 0.10%

LOW MINIMUM INTEREST CHECKING****

Interest Rate APY*
NO MINIMUM AND NO SERVICE CHARGE 0.10% 0.10%

**** A $6.00 service charge will be imposed if the account falls below $500.00.


PASSBOOK SAVINGS

Interest Rate APY*
$25.00 MINIMUM TO RECEIVE INTEREST 0.15% 0.15%

*Annual Percentage Yield