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| | EFFECTIVE February 11, 2013
Rates accurate as of February 11, 2013
ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE | |
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| | Certificates: | |
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| Account Name | Minimum to Open/Earn APY | Dividend Rate | Annual Percentage Yield
(APY) | | 6 Months Share Certificate | $ 1,000.00 | .30% | .30% | | 12 Months Share Certificate | $ 1,000.00 | .35% | .35% | | 18 Months Share Certificate | $ 1,000.00 | .40% | .40% | | 24 Months Share Certificate | $ 1,000.00 | .55% | .55% | | 36 Months Share Certificate | $ 1,000.00 | .75% | .75% | | 48 Months Share Certificate | $ 1,000.00 | .85% | .85% | | 60 Months Share Certificate | $1,000.00 | 1.24% | 1.25% | | 12 Months Traditional/Roth/Coverdell/ IRA Certificate | $ 100.00 | .35% | .35% | | 24 Months Traditional/Roth/Coverdell/ IRA Certificate | $ 100.00 | .55% | .55% | | 36 Months Traditional/Roth/Coverdell/ IRA Certificate | $ 100.00 | .75% | .75% | | 48 Months Traditional/Roth/Coverdell/ IRA Certificate | $ 100.00 | .85% | .85% | | 60 Months Traditional/Roth/Coverdell/ IRA Certificate | $ 100.00 | 1.24% | 1.25% | |
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| 12 Months Simple Saver Certificate | $ 25.00 | .050% | .05% | |
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| | The dividend rate may change after the account is opened. A penalty may be imposed for early withdrawal. | |
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| | Schedule of Fees and Charges | |
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Savings and Checking: | |
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| Account Name | Minimum Opening Balance | Minimum To Earn Dividend | Variable Dividend Rate | Annual Percentage Yield(APY) | Fees And Charges | Deferred Compensation Accounts
(No Longer Offered) | -0- | -0- | 0.55% | 0.55% | -0- | | Health Savings Account | $100.00 | -0- | .100% | .10% | -0- | Money Market Accounts
$1,000 - $9,999.99
$10,000 thru $24,999.99
$25,000 thru $49,999.99
$50,000 thru $99,999.99
$100,000 and over | $1,000.00
$1,000.00
$1,000.00
$1,000.00
$1,000.00 | $1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 | 0.050%
0.100%
0.150%
0.200%
0.250% | 0.05%
0.10%
0.15%
0.20%
0.25% | $3.00 per check charge for each check over the maximum allowed | | Summer Pay Accounts | -0- | -0- | .100% | .10% | -0- | | Club Accounts | $ 5.00 | $50.00 | .100% | .10% | -0- | | IRA Club Account | $100.00 | $100.00 | 0.100% | 0.10% | -0- | | Escrow Club Accounts | -0- | -0- | 2.000% | 2.015% | -0- | | Makes Cents Checking Account | $25.00 | -0- | -0- | -0- | -0- | Advantage Plus Checking Account
(No Longer Offered)
| $25.00 | -0- | 0.005% | 0.01% | $8.00 monthly service charge, $7.00 if 60 years or older | |
Kappa Checking Account (ages 11 through 17) At least one parent as co-signer | $25.00 | -0- | -0- | -0- | -0- | | Senior Class Checking Account (60 years and older) (No Longer Offered) | $25.00 | -0- | -0- | -0- | -0- | Basic Checking Account
(No Longer Offered) | $25.00 | -0- | -0- | -0- | -0- | | Regular Share Accounts thru $999.00 | $ 5.00 | $5.00 | .050% | .05% | -0- | | Regular Share Accounts $1,000 thru $4,999.99 | $ 5.00 | $5.00 | .050% | .05% | -0- | | Regular Share Accounts $5,000 thru $9,999.99 | $ 5.00 | $5.00 | .050% | .05% | -0- | | Regular Share Accounts $10,000 and Over | $ 5.00 | $5.00 | .100% | .10% | -0- | | |
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| | The APY is accurate as of the last dividend period upon which a dividend has been paid. | |
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