Money Market Account, NOW Account, and Certificate of Depost Rates Effective as of April 1, 2014

Interest Rates are subject to change without notice.

Subject to penalty for early withdrawal on Certificate of Deposits.

*APY = Annual Percentage Yield

Deposit Interest Rate APY*
Checking Acct. $100.00
Money Market Acct. $1500.00 .25% .25%
NOW Acct. $800.00 .25% .25%
Certificates of Deposit Deposit Interest Rate APY*
7-179 Day CD $1000.00 .50% .50%
6 Month CD $1000.00 .50% .50%
12 Month CD $1000.00 .75% .75%
Adjust-A-Rate CDs Deposit Interest Rate APY*
18 Month CD $1000.00 1.00% 1.00%
24 Month CD $1000.00 1.00% 1.00%
36 Month CD $1000.00 1.25% 1.26%
60 Month CD $1000.00 2.00% 2.02%

You have the option during the first term (18 month term to 60 month term) of this account to exchange the interest rate for a new interest rate.  The new rate will be the interest rate we are offering on any other time deposit of equal term to maturity as the original term of the account.  This exchange will be at no cost to you.  If you make an exchange, the maturity date of the account will remain the same as originally scheduled.  You may exercise this exchange option once during each maturity.

Savings and IRA Account Rates Effective as of January 25, 2013

Investment Accounts Deposit Interest Rate APY*
Passbook Savings $25.00 .50% .50%
IRA Variable Rate $1000.00 1.00% 1.00%

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For more information stop in or contact us at (319) 446-7700.