Savings

Effective 03/12/12
The Annual Percentage Yield is Accurate as of 03/12/12
Rates subject to change without notice.

"Interest Rate" means the annual percentage rate of interest paid which does not reflect compounding.
"APY" (Annual Percentage Yield) means a percentage rate reflecting the total amount of interest paid on an account based on the interest rate and the frequency of compounding for a 365 day period.

Regular Savings
Minimum Balance Required To Open An Account is $100.00
If service charges apply, earnings may be reduced.

	Interest Rate	APY
0 to $24,999.99	0.25	0.25
$25,000 to $49,999.99	0.25	0.25
$50,000 or more	0.30	0.30

3 Withdrawals per Quarter	No Charge
More than 3 withdrawals in a quarter	$7.50 per withdrawal
If average balance falls below $100 during the quarter	$5.00
If the account is closed within the first 90 days after account opening, the account is charged a fee of $10.00. If more than six pre-authorized withdrawals, automatic transfers, or telephone transfers are made in one statement period Reg D requires us to notify you that your account may be closed or changed to another type of account. Withdrawals or transfers made in the bank or at an ATM are not limited .

	Interest Rate	APY
Christmas Club	0.25	0.25
No withdrawals are permitted from Christmas Club Accounts prior to the pay out date in November. The entire balance may be withdrawn and no interest will be paid on the account.


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