Rates Subject to Change Weekly!

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 0.20% 0.20% Maturity N/A N/A
6
MONTHS
$1,000.00
$500.00 IRA
0.30%
0.30%
Semi-Annually
0.45% 0.45%
12
MONTHS
$1000.00
$500.00
0.45% 0.45% 
Semi-Annually
0.60% 0.60%
24
MONTHS
$1,000.00 
$500.00 IRA
0.55%
0.55%
 Semi-Annually
0.70% 0.70%
36
MONTHS
$1,000.00
0.65%
0.65%
Semi-Annually
0.80% 0.80%
48
MONTHS
$1,000.00
$500.00 IRA
0.85% 0.85%
Semi-Annually
N/A N/A
60
MONTHS
$1,000.00
0.90% 0.90%
Semi-Annually
1.05% 1.05%














COMMUNITY MONEY MARKET RATES**


Interest Rate APY*
0 to $25,000.00 0.10% 0.10%
$25,001.00 to $50,000.00 0.15% 0.15%
$50,001.00 to $100,000.00 0.20% 0.20%
$100,001.00 to $249,999.00
0.35% 0.35%
$250,000.00 & Above                   
0.50%                  0.50% 

** 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 0.05% 0.05%
$2,500.00 & ABOVE 0.05% 0.05%

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


50+ CHECKING


Interest Rate APY*
$6.00 service charge if the account falls below $100.00 0.05% 0.05%


NO MINIMUM INTEREST CHECKING


Interest Rate APY*
$4.00 per month service charge.                                     0.05% 0.05%

LOW MINIMUM INTEREST CHECKING****


Interest Rate APY*
$6.00 service charge if the account falls below $500.00.
0.05% 0.05%



PASSBOOK SAVINGS


Interest Rate APY*
$3.00 service charge if account falls below $25.00. Nine withdraws per quarter free of charge. $.50 per withdraw after nine.  0.10% 0.10%

*Annual Percentage Yield