Rates Subject to Change Weekly!

Certificates require a minimum opening balance of $1,000.00 and IRA’s require a minimum opening balance of $500.00. Money Market and Checking accounts require a minimum opening balance of $50.00 and Savings accounts require a minimum opening balance of $25.00. Interest will be compounded every month for checking accounts, and quarterly for savings accounts. 1 and 3 month Certificates will compound at Maturity. All other Certificates and IRA’s will compound Semi-Annually. A penalty could be imposed on early withdrawals of Certificates and IRA’s. Fees could reduce earnings on the account.


CD / IRA RATES

Term Minimum Opening Balance Certificate Rates APY* Compound Period IRA Rates IRA APY*
3 MONTHS $1,000.00 2.50% 2.52% Maturity N/A N/A
6
MONTHS		 $1,000.00
$500.00 IRA		 3.00%
 3.02% 
Semi-Annually		 3.15% 3.18%
12
MONTHS		 $1000.00
$500.00 IRA		 3.60% 3.63% 
Semi-Annually		 3.75% 3.79%
18
MONTHS		 $1,000.00 
$500.00 IRA		 3.50%
 3.53%
 Semi-Annually		 3.65% 3.68%
24
MONTHS
$1,000.00
$500.00 IRA
 3.25%
 3.28% 
Semi-Annually		 3.40% 3.43%
36
MONTHS
 $1,000.00
 2.75% 2.77% 
Semi-Annually		 2.90% 2.92%
48
MONTHS
$1,000.00
$500.00 IRA
 2.75% 2.77% 
Semi-Annually		 N/A N/A
60 MONTH
$1,000.00
$500.00 IRA
 3.00% 3.02% Semi-Annually 3.15% 3.17%
           


COMMUNITY MONEY MARKET RATES**


 Interest Rate APY*
0 to $25,000.00 1.15% 1.16%
$25,001.00 to $50,000.00 1.40% 1.41%
$50,001.00 to $100,000.00 1.65% 1.66%
$100,001.00 to $249,999.00
 1.90% 1.92%
$250,000.00 & Above                   
 2.15%                  2.17% 

** A Minimum of $1,000.00 is required for Money Market Accounts to avoid a $10.00 service charge.


WALL STREET CHECKING***


 Interest Rate APY*
0 to $2,499.99 0.40% 0.40%
$2,500.00 & ABOVE 0.50% 0.50%

*** A Minimum of $1,000.00 is required for Wall Street Checking to avoid a $8.00 service charge.


50+ CHECKING


 Interest Rate APY*
$6.00 service charge if the account falls below $100.00 0.50% 0.50%


NO MINIMUM INTEREST CHECKING


 Interest Rate APY*
$4.00 per month service charge.                                     0.40% 0.40%

LOW MINIMUM INTEREST CHECKING****


 Interest Rate APY*
$6.00 service charge if the account falls below $500.00.
 0.40% 0.40%



PASSBOOK SAVINGS


 Interest Rate APY*
$3.00 service charge if account falls below $25.00. Nine withdraws per quarter free of charge. $.50 per withdraw after nine.  1.15% 1.16%

*Annual Percentage Yield