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 0.60% 0.60% Maturity N/A N/A
6
MONTHS
$1,000.00
$500.00 IRA
0.85% 0.85%
Semi-Annually
1.00% 1.00%
12
MONTHS
$1000.00
$500.00
1.25% 1.25% 
Semi-Annually
1.40% 1.41%
24
MONTHS
$1,000.00 
$500.00 IRA
1.50%
1.51%
 Semi-Annually
1.65% 1.66%
30
MONTHS
$1,000.00
$500.00 IRA
1.75% 1.76%
Semi-Annually
N/A N/A
36
MONTHS
$1,000.00
$500.00 IRA
2.00% 2.01%
Semi-Annually
2.15% 2.16%
48
MONTHS
$1,000.00
2.15% 2.16%
Semi-Annually
N/A N/A
60
MONTHS
$1,000.00
$500.00 IRA
2.25% 2.26%
Semi-Annually
2.40% 2.41%








COMMUNITY MONEY MARKET RATES**


Interest Rate APY*
0 to $25,000.00 0.45% 0.45%
$25,001.00 to $50,000.00 0.55% 0.55%
$50,001.00 to $100,000.00 0.75% 10.75%
$100,001.00 to $249,999.00
1.00% 1.00%
$250,000.00 & Above                   
1.25%                  1.25% 

** 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 0.15% 0.15%
$2,500.00 & ABOVE 0.25% 0.25%

*** 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 0.15% 0.15%


NO MINIMUM INTEREST CHECKING


Interest Rate APY*
$4.00 per month service charge.                                     0.15% 0.15%

LOW MINIMUM INTEREST CHECKING****


Interest Rate APY*
$6.00 service charge if the account falls below $500.00.
0.15% 0.15%



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.  0.40% 0.40%

*Annual Percentage Yield