Deposit Rates
Savings & Checking	Dividend Rate	APY*
Savings Accounts $200.00 - $4,999.99	0.40%	0.40%
Savings Accounts $5,000.00 - $9,999.99	0.55	0.55
Savings Accounts $10,000.00 and over	0.70	0.70
Kids Club**	3.00	3.03
IRA	2.85	2.88
Christmas Club	0.40	0.40
Real Estate Escrow	0.94	0.94
Personal Checking $2,000.00 - $4,999.99	0.25	0.25
Personal Checking $5,000.00 - $9,999.99	0.30	0.30
Personal Checking $10,000.00 and over	0.35	0.35
Business Checking $2,000.00 - $4,999.99	0.25	0.25
Business Checking $5,000.00 - $9,999.99	0.30	0.30
Business Checking $10,000.00 and over	0.35	0.35
Premier Money Market $5,000.00 - $9,999.99	1.50	1.51
Premier Money Market $10,000.00 - $24,999.99	2.05	2.07
Premier Money Market $25,000.00 - $99,999.99	2.15	2.17
Premier Money Market $100,000.00 and over	2.25	2.27
Health Savings Accounts $200.00 - $4,999.99	1.25	1.26
Health Savings Accounts $5,000.00 - $9,999.99	1.75	1.76
Health Savings Accounts $10,000.00 - $24,999.99	2.25	2.27
Health Savings Accounts $25,000.00 & Over	2.75	2.78
*APY is annual percentage yield. All rates are subject to change without notice. Minimum balance to obtain APY: Savings $200; Personal Checking $2,000; Business Checking $2,000;Premier Money Market $5,000. If Premier Money Market falls below $5,000, APY converts to personal checking rate.
** 3.03% APY on balances up to $500, 1.00% APY on balances over $500.

Certificates - Minimum Deposit $1,000
Term	Dividend Rate	APY*
6 Months	2.50%	2.53%
12 Months	2.70	2.73
24 Months	3.00	3.04
36 Months	3.20	3.25
48 Months	3.30	3.35
60 Months	3.40	3.45

Special Certificates - Minimum Deposit $2,500
Term	Dividend Rate	APY*
7 Months	2.55%	2.58%
11 Months	2.75	2.79
*APY is annual percentage yield. Early withdrawal penalties may be imposed. All rates and terms are subject to change without notice.

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