Rate Sheet

Rates Effective as of: 01/01/2015

Account Type Dividend
Rate
Annual
Percentage
Yield
Minimum
Opening
Deposit
Minimum Daily
Balance to
Earn APY
Share Savings: Premium Tier
$0.00 – $1,000.00
1.98% 2.00% $25 None
Share Savings: Base Tier
$1,000.01 – $10,000.00
.10% 2.00 to .291
Share Savings: Tier 3
$10,000.01 – $25,000.00
.15% .29% to .21%1
Share Savings: Tier 4
$25,000.01 – $50,000.00
.20% .21% to .20%1
Share Savings: Tier 5
$50,000.01 and over
.25% .20% to .23%1
Special Savings: Base Tier
$0.00 – $1,000.00
.10% .10% $5 None
Special Savings: Base Tier
$1,000.01 – $10,000.00
.10% .10%
Special Savings: Tier 3
$10,000.01 – $25,000.00
.15% .10% to .13%1
Special Savings: Tier 4
$25,000.01 – $50,000.00
.20% .13% to .17%1
Special Savings: Tier 5
$50,000.01 and over
.25% .17% to .21%1
IRA Savings 0.10% 0.10% $25 None
Checking 0.10% 0.10% $25 None
Certificate Terms Interest
Rate
Annual
Percentage
Yield
Minimum
Opening
Deposit
Minimum Daily
Balance to
Earn APY
Eighteen Month .35% .35% $500 $500
Two Year .60% .60%
Three Year .85% .85%
Four Year 1.00% 1.00%
Five Year 1.39% 1.40%
Six Year 1.74% 1.75%
IRA 1 Yr .35% .35%
IRA 2 Yr .60% .60%
IRA 3 Yr .85% .85%
IRA 4 Yr 1.00% 1.00%
IRA 5 Yr 1.39% 1.40%
IRA 6 Yr 1.74% 1.75%

1 APY is blended and varies depending on the balance in the account.

Rates/APYs listed for Special Savings accounts also apply to Fiduciary Savings accounts; Rate/APY listed for Checking account also applies to Fiduciary Checking accounts; and Rates/APYs listed for Certificate accounts also apply to Fiduciary Certificate accounts.

Rates and yields may change after account opening. Fees could reduce earnings. Early withdrawal penalties apply to certificates.