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**	0.30%	0.35%	0.40%
6 Months**	0.45%	0.50%	0.55%
9 Months**	0.60%	0.65%	0.70%
12 Months**	0.70%	0.75%	0.80%
18 Months***	0.80%	0.85%	0.90%
24 Months***	0.95%	1.00%	1.05%
30 Months***	1.05%	1.10%	1.14%
36 Months***	1.14%	1.20%	1.25%
48 Months***	1.25%	1.30%	1.35%
60 Months***	1.40%	1.45%	1.50%

30 Month Freedom CD Special

Term: 30 Months
Rate: 1.14%
Yield: 1.14%
Minimum: $1,000.00
Step-up Feature

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

The 30 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.