Rates

DEPOSIT RATES AS OF February 13, 2012

CHECKING
 Min. to Open
Account		Min. Balance to
Earn APY		Interest
Rate		APY*
Personal Checking with Interest**
$1,000 $1,000*** 0.10% 0.10%
$2,500 $2,500*** 0.15% 0.15%
SAVINGS
 Min. to Open
Account		Min. Balance to
Earn APY		Interest
Rate		APY*
Regular Savings** $100 $100*** 0.15% 0.15%
Money Market Savings**
  $2,499 & under*** 0.20% 0.20%
$2,500 $2,500- $9,999*** 0.30% 0.25%
  $10,000- $49,999*** 0.40% 0.40%
  $50,000-$99,999*** 0.50% 0.45%
  $100,000 & over*** 0.65% 0.65%
Freedom Money Market Savings**
  $2,499 & under*** 0.20% 0.20%
  $2,500- $9,999*** 0.30% 0.25%
  $10,000- $49,999*** 0.40% 0.40%
$50,000 $50,000- $99,999*** 0.50% 0.45%
  $100,000- $249,999*** 0.65% 0.65%
  $250,000 & over*** 0.75% 0.75%
Christmas Club** $20.00 $0.01 1.50% 1.50%
Looney Tunes Club** $20.00 $0.01 0.25% 0.25%

 

CERTIFICATES
 Min. to Open
Account		Min. Balance
to Earn APY		Interest
Rate		APY* 
6 Months $500 $500*** 0.50% 0.42% (2)
12 Months $500 $500*** 0.70% 0.65% (2)
24 Months $500 $500*** 0.97% 0.97% (3)
36 Months $500 $500*** 1.34% 1.35% (3)
SPECIALS
 Min. to Open
Account		Min. Balance
to Earn APY		Interest
Rate		APY* 
13 Months 10,000*** 10,000*** 0.75%

0.75%

 (3)
36 Month Bump Twice 10,000*** 10,000*** 1.50% 1.51% (1)

SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL MAY APPLY

(1) 1 Mth Interest Penalty (30 days)
(2) 3 Mth Interest Penalty (90 days)
(3) 6 Mth Interest Penalty (180 days)

*Annual Percentage Yield - Fees may reduce earnings
**Rate may change after an account is opened
***Average Daily Balance

ALL RATES ARE SUBJECT TO CHANGE