• $2,500 minimum to open & obtain Annual Percentage Yield
  
• Unlimited deposits permitted at any time
  
• Current interest rate 1.00; 1.00 APY when minimum balance is maintained
  
• Withdraw at any time in amounts of $250.00 or more
  
• Interest rate based on average rate reported from previous month's 13 week U.S Treasury Bill auctions minus .5%; the interest rate may change after opening account
• Interest rate & APY are updated daily & reflect today's date
• Should balance fall below minimum, account reverts to a Regular Savings interest rate and could reduce earnings
  

Golden Passbook Savings

• $100.00 minimum to open & obtain Annual Percentage Yield
  
• Unlimited deposits of $10.00 or more permitted at any time
  
• Current rate 1.17; 1.18 APY when minimum balance is maintained (Interest Rate & APY may change after opening account)
  
• Funds may be withdrawn during 1st 10 days of each calendar quarter (January, April, July, October) without penalty
  
• Interest rate based on average rate reported from previous month's 13 week U.S. Treasury Bill auctions
  
• Interest rate & APY are updated daily & reflect today's date
• Early withdrawal penalty may invade principal

Indexed Money Market Account

• $2,500 minimum to open & obtain Annual Percentage Yield
  
• Unlimited deposits permitted at any time
  
• Up to 6 withdrawals/transfers permitted monthly - 3 of the 6 withdrawals/transfers may be made by check/debit card and unlimited withdrawals/transfers can be made at any ATM
  
• Tiered interest rates based on average rate reported from previous month's 13 week U.S. Treasury Bill auctions, the interest rate may change after opening account (fees could reduce earnings)
• Interest rate & APY are updated daily & reflect today's date
  

Truth in Savings Disclosure | Funds Availability Policy | Deposit Account Rules
Electronic Funds Transfer Agreement and Disclosure

Certificates of Deposit

• $500.00 minimum to open & obtain Annual Percentage Yield
  
• Guaranteed rate until maturity
  
• Interest paid monthly
  
• Early withdrawal penalty may invade principal
• Interest rate & APY are updated daily & reflect today's date

Truth in Savings Disclosure | Funds Availability Policy | Deposit Account Rules
Electronic Funds Transfer Agreement and Disclosure

Student Saver CD

• Available to students age 25 or less
• $250.00 minimum to open & obtain Annual Percentage Yield
• Unlimited deposits of $25 or more permitted at any time
• Four year maturity; automatically renewable
• Rate changes monthly to higher of Bank's 4 year CD rate or average yield on 4 year Treasury Notes
• Current interest rate 2.71; 2.74 APY
• When student graduates from high school, funds may be withdrawn up to two times per year without penalty
• Early withdrawal penalty may invade principal
• Interest rate & APY are updated daily & reflect today's date

Prime Advantage

• 1 Year term
• $500 minimum to open & obtain Annual Percentage Yield
• Rate based on lowest prime rate published in the Wall Street Journal minus 2.75%
• Rate changes when prime changes
• Automatically renewable
• Deposits of $100.00 or more permitted at any time
• Early withdrawal penalty may invade principal
• Interest rate & APY are updated daily & reflect today's date

Truth in Savings Disclosure | Funds Availability Policy | Deposit Account Rules
Electronic Funds Transfer Agreement and Disclosure

Prime Advantage Plus

• 2½ Year term
• $500 minimum to open & obtain Annual Percentage Yield
• Rate based on lowest prime rate published in the Wall Street Journal minus 2.5%
• Rate changes when prime changes
• Automatically renewable
• Deposits of $100.00 or more permitted at any time
• Early withdrawal penalty may invade principal
• Interest rate & APY are updated daily & reflect today's date

Truth in Savings Disclosure | Funds Availability Policy | Deposit Account Rules
Electronic Funds Transfer Agreement and Disclosure