Rate Sheet

Rates Effective as of: 3/28/2014

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
2.96% 3.00% $25 None
Share Savings: Base Tier
$1,000.01 – $10,000.00
.10% 3.00% to .39%1
Share Savings: Tier 3
$10,000.01 – $25,000.00
.15% .39% to .25%1
Share Savings: Tier 4
$25,000.01 – $50,000.00
.25% .25% to .25%1
Share Savings: Tier 5
$50,000.01 and over
.40% .25% to .32%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
.25% .13% to .19%1
Special Savings: Tier 5
$50,000.01 and over
.40% .19% to .30%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 .50% .50% $500 $500
Two Year 1.14% 1.15%
Three Year 1.34% 1.35%
Four Year 1.54% 1.55%
Five Year 2.03% 2.05%
Six Year 2.47% 2.50%
IRA 1 Yr .60% .60%
IRA 2 Yr 1.14% 1.15%
IRA 3 Yr 1.34% 1.35%
IRA 4 Yr 1.54% 1.55%
IRA 5 Yr 2.03% 2.05%
IRA 6 Yr 2.47% 2.50%

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 accounts 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.