Current Deposit Account Rates

Deposit Account Rates Effective Date: July 3, 2018
Account Type	Annual Percentage Yield (APY)	Interest Rate	Compounding and Payment Period	Minimum Deposit to Open	Minimum Balance to Avoid Monthly Service Fee	Minimum Balance for APY
High Yield Money Market	0.20%	0.195%	Monthly	$1,000	$10,000	$10,000
Money Market	0.10%	0.095%	Monthly	$1,000	$2,500	$2,500
High Interest Checking	0.05%	0.046%	Monthly	$100	$2,500	$2,500
	0.05%	0.046%	Monthly	$100	$2,500	$10,000
	0.05%	0.046%	Monthly	$100	$2,500	$50,000
	0.05%	0.046%	Monthly	$100	$2,500	$100,000
Prime Life Checking	0.10%	0.095%	Monthly	$100	$0	$2,500
	0.10%	0.095%	Monthly	$100	$0	$10,000
	0.15%	0.145%	Monthly	$100	$0	$50,000
	0.15%	0.145%	Monthly	$100	$0	$100,000
Health Savings	0.05%	0.046%	Monthly	$1	$0	$1
	0.10%	0.095%	Monthly	$1	$0	$2,500
	0.10%	0.095%	Monthly	$1	$0	$10,000
	0.10%	0.095%	Monthly	$1	$0	$25,000
Statement and Passbook Savings	0.10%	0.095%	Quarterly	$100	$200	$200
Corporate Statement Savings	0.10%	0.095%	Quarterly	$100	$200	$200
Minor Statement Savings	0.10%	0.095%	Quarterly	$1	$0	$1
Golden Statement Savings	0.15%	0.145%	Quarterly	$1,000	$1,000	$1,000
Golden Passbook Savings	0.15%	0.145%	Quarterly	$1,000	$1,000	$1,000
IRA Savings	0.15%	0.145%	Quarterly	$250	$0	$1
Holiday Club Savings	0.05%	0.046%	Simple @ Maturity	$1	$0	$1

Interest rates on all accounts are set at the bank’s discretion. Interest rates and annual percentage yields may change at any time without notice.

On High Yield Money Market Accounts, if the daily balance is $10,000 or more, the interest rate paid on the entire balance in the account will be 0.195% with an annual percentage yield of 0.20%. If the daily balance falls below $10,000, the interest rate paid on the entire balance in the account will be 0.095% with an annual percentage yield of 0.10%. If the daily balance falls below $10,000, there is a $25 monthly service fee.

Prime Life and High Interest Checking are tiered products that may pay interest according to the following balance tiers: $2,500.00; $10,000.00; $50,000.00 and $100,000.00.

For all accounts you must maintain the minimum required balance in the account each day to obtain the annual percentage yield listed above. We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit any non-cash items (for example, checks). Accounts closed before the interest payment date will not earn accrued interest for that period.

IRA deposits or withdrawals (with the exception of pre-authorized withdrawals) can be made at any time to the IRA Savings.

The interest compounding method for the Holiday Club Savings Account is simple and paid at maturity on 10/31.

Savings and Money Market Accounts (excluding Health Savings Account) are limited to six (6) preauthorized transfers, which include telephone transfers, online banking transfers, checks, drafts, debit card transactions, or similar orders made to third parties per statement cycle. For Savings Accounts, there is an excessive withdrawal fee for over six (6) transfers of $5 per item which will be deducted from your account at the end of each statement cycle. For Money Market Accounts, there is an excessive withdrawal fee for over six (6) transfers of $10 per item which will be deducted from your account at the end of each statement cycle.

Consult your tax or legal professional about the tax benefits applicable to a Health Savings Account.

See Account Disclosure for terms and conditions. Fees could reduce earnings on the account.

MEMBER F.D.I.C.

Rev. 7/3/18