Rates

Current Account Rate Offerings

Effective:

• Opening Deposit = Deposit required to open account.
• Balance Required = Deposit balance required to earn rate.
• APY = Annual Percentage Yield.
• FDIC Insures each depositor up to $250,000.
• Checking account fees may apply and reduce earnings on the account.
• Certificate of Deposit early withdrawal penalties may apply and reduce earnings on the account.
• Interest rates are subject to change at the bank's discretion without notice to customer.

Savings Rates

Type	Opening Deposit	Balance Required	Interest Rate	APY**
Ultimate Savings Apply Now	$25,000.00	$0.01 - $24,999.99	0.25%	0.25%
		$25,000.00 & over	0.99%	1.00%
Personal & Business Statement Savings Apply Now	$1.00	$0.01-24,999.99	0.25%	0.25%
		$25,000.00 & over	0.50%	0.50%
Kid's Club Statement Savings	$1.00	$0.01 & over	0.45%	0.45%
Your Choice Savings* Apply Now	$1.00	N/A	0.75%	0.75%

*Funds credited to savings or checking annually in October.
**The Annual Percentage Yield on all savings accounts is calculated using a 365 day calendar year.

CD Rates

Type	* Opening Deposit	Interest Rate	APY***
91 Day Apply Now	$1,000.00	0.35%	0.35%
5 Month Special Apply Now	$1,000.00	0.75%	0.76%
6 Month Apply Now	$1,000.00	0.50%	0.50%
12 Month Apply Now	$1,000.00	0.75%	0.75%
13 Month Special Apply Now	$1,000.00	1.09%	1.10%
18 Month Apply Now	$1,000.00	0.99%	1.00%
24 Month Apply Now	$1,000.00	1.49%	1.50%
30 Month Apply Now	$1,000.00	1.74%	1.76%
36 Month Apply Now	$1,000.00	2.13%	2.15%
42 Month Special Apply Now	$1,000.00	2.47%	2.50%
48 Month Apply Now	$1,000.00	2.71%	2.75%
60 Month Apply Now	$1,000.00	2.96%	3.00%
Ultimate CD	$5,000.00	2.13%	2.15%
Starter CD Apply Now	$250.00	0.75%	0.75%

*Deposit required to open account & keep account open.
***The Annual Percentage Yield on all certificate of deposit accounts is calculated using a 365 day calendar year. 

IRA Rates

Type	Opening Deposit	Interest Rate	APY*
Regular IRA Statement Savings	$10.00	0.74%	0.75%
12 Month IRA	$250.00	0.98%	1.00%
30 Month IRA	$250.00	1.71%	1.75%
60 Month IRA	$250.00	2.92%	3.00%
Health Savings Account (HSA)	$1,000.00	0.75%	0.75%

*The Annual Percentage Yield on the 12, 30 and 60 month IRA's is calculated using a 360 day calendar year. The Annual Percentage Yield on the Regular IRA Statement Savings and the Health Savings Account is calculated using a 365 day calendar year.

Checking/Money Fund Rates

Type	Opening Deposit	Balance Required	Interest Rate	APY**
Money Fund Apply Now	$2,500.00	$0.01-2,499.99	0.10%	0.10%
		$2,500.00-24,999.99	0.30%	0.30%
		$25,000.00-99,999.99	0.50%	0.50%
		$100,000.00 & over	0.75%	0.75%
Business Free	$100.00	N/A	0.00%	0.00%
Business	$100.00	$0.01-4,999.99	0.10%	0.10%
		$5,000.00 & over	0.25%	0.25%
Business Analysis	$100.00	N/A	0.00%	0.00%
Community Checking	$100.00	$0.01-24,999.99	0.25%	0.25%
		$25,000.00-249,999.99	0.50%	0.50%
		$250,000.00-749,999.99	0.75%	0.75%
		$750,000.00 & over	1.00%	1.00%
Ultimate Green Checking ***Apply Now	$100.00	$0.01-$10,000.00 (rewards criteria are met)	1.49%	1.50%
		$0.01-$10,000.00 (rewards criteria not met)	0.15%	0.15%
		$10,000.01 & over	0.15%	0.15%
Ultimate Apply Now	$100.00	$0.01-2,499.99	0.10%	0.10%
		$2,500.00 & over	0.20%	0.20%
Ultimate Ten * Apply Now	$10,000.00	$0.01-9,999.99	0.20%	0.20%
		$10,000-24,999.99	0.25%	0.25%
		$25,000.00 & over	0.30%	0.30%
Health Savings Account (HSA)	$25.00	N/A	0.75%	0.75%

*Combined deposit of $10,000.00 in eligible accounts.
**The Annual Percentage Yield on all checking and money fund accounts is calculated using a 365 day calendar year.
***The interest rate is variable and may change after the account is open. Minimum deposit to open is $100. 1.50% APY paid on daily balances up to $10,000, and 0.15% APY paid on daily balances above $10,000 each qualifying cycle (month) that all reward requirements are met. Account daily balances will earn 0.15% APY when reward requirements are not met per cycle. Offer good on personal accounts only.