Current Rates

Personal Checking Accounts

Interest Rate* APY* Min. Bal. to Obtain APY**
Personal Checking 0.00% 0.00% N/A
Free Checking*** 0.00% 0.00% N/A
NOW Checking 0.05% 0.05% $1,000

*Interest Rate and Annual Percentage Yield (APY) offered is accurate as of 11/21/2017. Fees or early withdrawal penalties may reduce earnings on interest bearing accounts. The interest rate and annual percentage yield may change after account opening.

**Daily Balance. The amount of the principal in the account each day.

***Requires one of the following: Direct Deposit, account holders 59 years of age or older, students, teachers, firefighters, EMTs, police, and military.

Business Checking Accounts

Interest Rate* APY* Min. Bal. to Obtain APY**
Business NOW Checking 0.05% 0.05% $1,000

*Interest Rate & Annual Percentage Yield (APY) offered is accurate as of  11/21/2017. Fees or early withdrawal penalties may reduce earnings on interest bearing accounts. The interest rate and annual percentage yield may change after account opening. Regulations may restrict eligibility for certain types of account holders.

**Daily Balance. The amount of the principal in the account each day.

Personal Savings Accounts

Interest Rate* APY* Min. Bal. to Obtain APY**
Statement Savings 0.10% 0.10% $200
Minor Statement Savings*** 0.10% 0.10% $100

*Interest Rate and Annual Percentage Yield (APY) offered is accurate as of 11/21/2017. Fees or early withdrawal penalties may reduce earnings on interest bearing accounts. The interest rate and annual percentage yield may change after account opening.

**Daily Balance. The amount of the principal in the account each day.

***Minor accounts apply to persons under 18 years of age.

Business Savings Accounts

Interest Rate* APY* Min. Bal. to Obtain APY**
Business Statement Savings 0.10% 0.10% $200**

*Interest Rate and Annual Percentage Yield (APY) offered is accurate as of 11/21/2017. Fees or early withdrawal penalties may reduce earnings on interest bearing accounts. The interest rate and annual percentage yield may change after account opening.

**Daily Balance. The amount of the principal in the account each day.

Personal Money Market Accounts

Daily Balance Interest Rate* APY* Min. Bal. to Obtain APY**
$0.01 – $24,999.99 0.10% 0.10% $2,500**
$25,000 – $49,999.99 0.15% 0.15% $25,000**
$50,000+ 0.20% 0.20% $50,000**

*Annual Percentage Yield (APY) offered is accurate as of 11/21/2017. Fees or early withdrawal penalties may reduce the earnings on interest bearing accounts. The interest rate and annual percentage yield may change after account opening. $2,500 is the minimum required to open a Money Market account.

**Daily Balance. The amount of the principal in the account each day.

Business Money Market Accounts

Daily Balance Interest Rate APY* Min. Bal. to Obtain APY**
$0.01 – $24,999.99 0.10% 0.10% $2,500**
$25,000 – $49,999.99 0.15% 0.15% $25,000**
$50,000+ 0.20% 0.20% $50,000**

*Annual Percentage Yield (APY) offered is accurate as of 11/21/2017. Fees or early withdrawal penalties may reduce the earnings on interest bearing accounts. The interest rate and annual percentage yield may change after account opening. $2,500 is the minimum required to open a Money Market account.

**Daily Balance. The amount of the principal in the account each day.

CDs

Term Minimum Balance** Interest Rate Annual Percentage Yield (APY)*
30 to 90 Days $1,000 0.10% 0.10%
3 Months $1,000 0.10% 0.10%
6 Months $1,000 0.10% 0.10%
12 Months $1,000 0.20% 0.20%
12 Months Penalty Free*** $1,000 0.05% 0.05%
18 Months $1,000 0.20% 0.20%
24 Months $1,000 0.25% 0.25%
30 Months $1,000 0.30% 0.30%
36 Months $1,000 0.40% 0.40%
60 Months+ $1,000 1.00% 1.00%

*All interest rates and product terms are effective 11/21/2017 and are subject to change without notice after account opening. A penalty may be imposed for early withdrawal. Fees or early withdrawal penalties may reduce the earnings on accounts.

**Daily Balance. The amount of the principal in the account each day.

***Withdrawal penalty waived six (6) days after account opening date.

For Jumbo Rate information ($100,000.00+), please contact a Branch Manager.

IRAs

Term Minimum Balance** Interest Rate Annual Percentage Yield (APY)*
12 Month Fixed $100.00 0.20% 0.20%
24 Month Fixed $100.00 0.25% 0.25%
36 Month Fixed $100.00 0.40% 0.40%
60 Month Fixed $100.00 1.00% 1.00%
12 Month Variable** $100.00 0.10% 0.10%
18 Month Variable** $100.00 0.10% 0.10%

*All interest rates and product terms are effective 11/21/2017 and are subject to change without notice after account opening. A penalty may be imposed for early withdrawal. Fees or early withdrawal penalties may reduce the earnings on accounts.

**The interest rate and annual percentage yield may change after account opening.

For Jumbo Rate information ($100,000.00+), please contact a Branch Manager.