Checking Accounts
 Account Name Balance Interest Rate
Annual Percentage Yield
(APY)
Super NOW Checking
$1-$2,499.99
 $2,500 and above
0.15%
0.20%
0.15%
0.20%
NOW Checking $1,000 minimum  0.15% 0.15%
New Outlooks
NOW Checking
   0.15% 0.15%
The interest and Annual Percentage Yield (APY) on your NOW Account or Super NOW account may change, at our discretion, at any time with no limitation on the rate paid.  Interest begins to accrue on non-cash items (such as checks) on the day we receive provisional credit.  In other words, we pay interest on the daily collected balance.  This method applies a daily periodic rate to the principal in the account each day.  Interest on your NOW Account and Super NOW Account is compounded and credited monthly.
 
The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Early withdrawl will reduce earnings.
 
Additional disclosures for your account are included on the Account Information and Fee Schedule given to you at the time the account is opened.
Rates are effective February 1, 2012
Savings Accounts
 Account Name Balance Interest Rate
Annual Percentage Yield
(APY)
Regular Savings   0.15% 0.15%
HIFI Savings
 $2,500-$24,999.99
$25,000.00-$49,999.99
$50,000.00-$99,999.99
$100,000 and above
0.20%
0.30%
0.45%
0.55%
0.20%
0.30%
0.45%
0.55%
Christmas Club Savings   1.00% 1.00%
The interest and Annual Percentage Yield (APY) on your Savings Account may change, at our discretion, at any time with no limitation on the rate paid.  Interest begins to accrue on non-cash items (such as checks) on the day we receive provisional credit.  In other words, we pay interest on the daily collected balance.  This method applies a daily periodic rate to the principal in the account each day.  Interest on your Regular Savings is compounded quarterly and paid quarterly.  Interest on HIFI Savings Accounts is compounded monthly and paid monthly.  Interest on your Christmas Club savings is compounded and paid annually.  Should you close your savings account before interest is credited, you will receive the accrued interest.
 
The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity.  Early withdrawl will reduce earnings.
 
Additional dislosures for your account are included on the Account Information and Fee Schedule given to you at the time the account is opened.
Certificates of Deposit
 Term Balance Interest Rate
Annual
Percentage Yield
(APY)
Interest Penalty for
Early Withdrawl
91 Days
$500-$9,999.99
$10,000 and above
 0.15%
0.25%
 0.15%
0.25%
 1 month
1 month
182 Days
$500-$9,999.99
$10,000 and above
0.30%
0.35%
  0.30%
0.35%
 2 months
2 months
12 Months
$500-$9,999.99
$10,000 and above
 0.45%
0.55%
 0.45%
0.55%
 3 months
3 months
18 Months
$500-$9,999.99
$10,000 and above
 0.70%
0.85%
 0.70%
0.85%
 3 months
3 months
24 Months
$500-$9,999.99
$10,000 and above
 0.85%
1.00%
 0.85%
1.00%
 6 months
6 months
30 Months  $500 and above  1.15%  1.15%  6 months
48 Months  $500 and above  1.65%  1.66%  12 months
60 Months   $500 and above  1.70%  1.71%  12 months
72 Months  $10,000 and above  1.85%  1.86%  12 months
18 Months
(IRA or Keogh)
   1.50%  1.51%  
Interest begins to accrue on the day you make your deposit.  We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.  On 91-day and 182-day certificates, interest is compounded and paid at maturity.  We compound and credit interest semi-annually on certificates of one year and greater.  Interest rates shown above will be paid until maturity.
 
The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity.  Early withdrawal will reduce earnings.
 
Certificates of Deposit will automatically renew at maturity unless otherwise stated or requested.  If a certificate is not automatically renewable, then no interest will accrue after maturity.  You have ten (10) calendar days from maturity date to withdraw funds without being charged a penalty.  After the account is opened, you may not make deposits into the account or withdraw from the account until the maturity date without penalty.  If any principal is withdrawn before maturity date, a penalty will be imposed.