Online Banking

Rates

Ask one of our Customer Service Representatives for current Public Funds Rates

Checking

	Compounding	Interest	APY*	Minimum Balance
Cha-Ching! Checking	Monthly	0.65%	0.65%	$50 to open
All American Checking	Monthly	0.10% 500+	0.10% 500+	$50 to open
Custom 50 Checking	Monthly	0.50%	0.50%	$50 to open
Investment Checking	Monthly	0.75%	0.75%	$1,000.00 to open & avoid fees

Fees could reduce earnings on the above accounts. The interest rates may change after the account is opened.

*APY = Annual Percentage Yield

Savings

	Compounding	Interest	APY*	Minimum Balance
Health Savings Account	Quarterly	0.75%	0.75%	none
All American Savings	Quarterly	0.75%	0.75%	$50.00 to open & avoid fees (waived if under 18yrs)
All Seasons Club Savings	Annually	0.75%	0.75%	$5 to open
IRA Savings**	Quarterly	0.75%	0.75%	$25 to open

Fees could reduce earnings on the above accounts. The interest rates may change after the account is opened.

*APY = Annual Percentage Yield

**The minimum deposit to open an IRA Certificate of Deposit is $250. A tax penalty for early withdrawal from an IRA may apply. Past performance does not guarantee future results. Please see a Customer Service Representative for information about applicable fees and terms.

Certificates of Deposit (CDs)

	APY* Under $10,000	APY* $10,000 to $49,999	APY* Over $50,000
3 Months**	0.40%	0.45%	0.50%
6 Months**	0.55%	0.60%	0.65%
9 Months**	0.70%	0.75%	0.80%
12 Months**	0.80%	.85%	.90%
18 Months***	0.90%	.95%	1.00%
24 Months***	1.05%	1.10%	1.15%
30 Months***	1.15%	1.20%	1.25%
36 Months***	1.35%	1.35%	1.35%
48 Months***	1.45%	1.50%	1.55%
60 Months***	1.65%	1.70%	1.75%

30 Month Freedom CD Special

Term: 30 Months
Rate: 1.34%
Yield: 1.35%
Minimum: $1,000.00
Step-up Feature

You can increase your CD rate by 0.10% if you have two additional products (excluding CDs) with us. (Does not include rate specials). Please call a Customer Service Representative for more information.

The 3 month CD pays interest at maturity. There is no compounding during the term. Interest is credited and compounded quarterly on all remaining CDs. As a service to our CD customers, you may elect to receive your interest by check or have it credited to your deposit account on a quarterly basis. If you elect to take your interest in this manner, you will not receive the benefit of compounding.

*APY = Annual Percentage Yield

**Minimum deposit required is $1,000. Penalty of one month's interest is imposed on early withdrawal.

***Minimum deposit required is $1,000. Penalty of three months' interest is imposed on early withdrawal.