CURRENT INTEREST RATES
Effective
Subject to change without notice

CERTIFICATES OF DEPOSIT

CDs of under $5,000 may be issued or renewed at 1/4% less than the rate applicable to $5,000 CDs

CD SPECIALS

IRA CERTIFICATE OF DEPOSIT**
Term	Minimum Deposit	RATE	APY

* Add .25% for IRAs with balances of $100,000 or more. **Each IRA depositor is insured to $250,000 by the Federal Deposit Insurance Corporation.

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CHECKING AND SAVINGS
Term	Minimum	RATE	APY

Each Depositor insured to at least $100,000 by the FDIC
- **Annual Percentage Yields (APY) and rates may change after an account is opened
- Substantial penalty for early withdrawal of Certificates of Deposit
- Fees could reduce the earnings on interest bearing accounts

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CHECKING AND SAVINGS
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