Effective as of 6/12/14

We are currently paying interest on Savings and Time Deposits as follows:

Type of Account Minimum Balance for APY* Compounded Annual Percentage Yield
36 Month Certificate $1,000 Annually 0.49%
24 Month Certificate $1,000 Annually 0.49%
12 Month Certificate

$70,000
$10,000
$1,000

Annually
Annually
Annually
0.55%
0.49%
0.36%
12 Month Small Savers CD
Deposits ($100 min.) can be added to principal
$250 Annually 0.36%
182 Day Money Market CD

$50,000
$1,000

At maturity
At maturity
0.49%
0.32%
IRA / KEOGH Accounts* $80,000
$25,000
$10,000
$10
Quarterly
Quarterly
Quarterly
Quarterly
1.03%
0.69%
0.61%
0.51%
Basic Checking *
(With Interest )
$1,000 Monthly 0.13%
Money Market Savings*
(6 withdrawals per month max.)
$40,000
$20,000
$2,500
Monthly
Monthly
Monthly
0.41%
0.29%
0.21%
Variable Rate Savings*
 ($100 minimum to open)
$1,000
$5.00
Monthly
Monthly
0.19%
0.13%

*Rate subject to change after account is opened.

A substantial PENALTY will be assessed for early withdrawals on all certificates.  Depending on the term, a penalty of up to 3 or 6 months simple interest will be forfeited on all Certificates redeemed prior to maturity.

Fees may reduce earnings.

Our complete disclosures are available from the tellers upon request.

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