Interest Rates

Rates Current as of January 3, 2019

Personal Accounts	Rate	APY*
Standard Savings	.15%	.15%
Money Max Savings	.20%	.20%
N.O.W. Checking	.15%	.15%
I.M.M.A. (Insured Money Market Account)	.15%	.15%
Christmas Club Savings	.50%	.50%
Vacation Club Savings	.50%	.50%

Business Accounts	Rates	APY*
Standard Savings	.15%	.15%
Money Max Savings	.20%	.20%
Sweep Savings	.50%	.50%
N.O.W. Checking	.15%	.15%
I.M.M.A. (Insured Money Market Account)	.15%	.15%

Speak to a customer service representative for more information about applicable fees and terms that may apply.

*APY (Annual Percentage Yield)

I.R.A.	Rate	APY*
6 Month Fixed	0.75%	0.75%
12 Month Fixed	1.25%	1.26%
2 Years Fixed	1.85%	1.87%
3 Years Fixed	1.95%	1.97%
5 Years Fixed	2.25%	2.27%
18 Month Variable	1.65%	1.66%
3 Years Variable	1.80%	1.81%
5 Years Variable	2.00%	2.02%

Early withdrawal penalties apply for I.R.A. accounts. Penalty for all terms of I.R.A. is three months of interest.

CD Terms	Rate	APY*
7 to 31 days	.15%	.15%
32 to 59 days	.15%	.15%
60 to 89 days	.15%	.15%
90 to 179 days	.50%	.50%
180 to 364 days	.75%	.75%
1 year	1.25%	1.25%
18 months	1.75%	1.76%
2 years	1.85%	1.86%
3 years	1.95%	1.96%
3 years Bump Rate	1.65%	1.66%
4 years	2.00%	2.02%
5 years	2.25%	2.27%
5 years Bump Rate	1.95%	1.96%

All regular Certificates of Deposit require a minimum balance of $1,000.00. A minimum balance of $1,000.00 is required to earn the stated APY*

All Bump Rate Certificates of Deposit require a minimum balance of $5,000.00. A minimum balance of $5,000.00 is required to earn the stated APY*

Early withdrawal penalties apply.

Penalty varies according to term of CD:

• less than 6 months = 14 days of interest
• 6 months up to 18 months = one month’s interest
• 18 months and longer = three months of interest

Speak to a customer service representative for more information about applicable fees and terms that may apply.

*APY (Annual Percentage Yield)