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Money Market & Checking
Account Type Minimum Balance Interest Rate Annual Percentage Yield
Money Market* $1,000 0.150% 0.150%
(Under $1,000) 0.050% 0.050%
Simply Free  NA NANA
50+ Interest NA 0.050% 0.050%
Direct Interest NA 0.050% 0.050%
Interest Advantage$1,5000.100%0.100%
Simply Free Business NA NA NA
Business Interest $1,500 0.050% 0.050%

Certificate of Deposits**
Account Type Minimum Balance Interest Rate Annual Percentage Yield
7-90 Day $25,000 0.100% 0.100%
91 Day $1,000 0.100% 0.100%
182 Day $1,000 0.150% 0.150%
12 Month NA 0.250% 0.250%
24 Month NA 0.450% 0.450%
36 Month NA 0.650% 0.650%
Anytime $1,000 0.250% 0.250%

Savings
Account Type Minimum Balance Interest Rate Annual Percentage Yield
Savings Account* $50 0.050% 0.050%
Kids Little Savers*
1.739% 1.750%
(Over $2,000.00) NA 0.100% 0.100%
Kids Crayon Savings*
1.739% 1.750%
(Over $2,000.00) NA 0.100% 0.100%
Kids Super Savers*,***
6.824% 7.000%
(Over $2,000.00) NA 0.100% 0.100%
Christmas Club* 0.050% 0.050%
Health Savings*
0.100% 0.100%
(Over $4,999.00) NA 0.250% 0.250%

IRA
Account Type Minimum Balance Interest Rate Annual Percentage Yield
182 Day $500 0.150% 0.150%
12 Month $500 0.250% 0.250%
18 Month $50 NA NA
(Variable Rate)* NA 0.150% 0.150%
24 Month $500 0.450% 0.450%
36 Month $500 0.650% 0.650%

TERM RENEWALS ONLY
Account Type Minimum Balance Interest Rate Annual Percentage Yield
7 Month NA 0.150% 0.150%
9 Month $5,000 0.150% 0.150%
17 Month NA 0.250% 0.250%
42 Month $5,000 1.500% 1.510%
Term Interest Annual Percentage Rate
Conventional  15 Year Fixed Mortgage***** 3.375%
3.398%
Conventional  30 Year Fixed Mortgage***** 4.375% 4.388%

Deposit Rate Notes:

*Rates may change after the account is opened. Fees may reduce earnings. 
**Penalty may be imposed for early withdrawal on Certificates of Deposit. 
***You choose when your child is ready. Anytime between the ages of 10-13, savers have a one-time option to change to a “Super Saver” account (starts each year July 1st.) This deposit-only account requires a monthly minimum deposit of at least $25 to maintain this exceptional interest rate.
Loan Rate Notes:

*****Rates as of April 15, 2014 and are subject to change and subject to approval. Closing fees will apply.

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