Deposit Interest Rates // Effective Date: January 31, 2012
INVESTMENT PRODUCT
INTEREST
RATE

ANNUAL PERCENTAGE
YIELD (APY)
FREQUENCY
OF COMPOUNDING
MINIMUM REQUIRED BALANCE
CERTIFICATES OF DEPOSIT
91 Day
0.15%
0.15%
At Maturity
$2,500
182 Day
0.30%
0.30%
At Maturity
$2,500
9 Month
0.40%
0.40%
Quarterly
$500
12 Month
0.55%
0.55%
Semi-annual
$500
15 Month
0.70%
0.70%
Quarterly
$500
18 Month
0.80%
0.80%
Semi-Annual
$500
24 Month
1.00%
1.00%
Semi-Annual
$500
30 Month
1.10%
1.10%
Semi-Annual
$500
36 Month
1.20%
1.20%
Semi-Annual
$500
60 Month
1.79%
1.80%
Semi-Annual
$500
DREAMBUILDER CDs
12 Month
0.55%
0.55%
Semi-Annual
$50
18 Month
0.80%
0.80%
Semi-Annual
$50
48 Month
1.49%
1.50%
Semi-Annual
$50
PEACE OF MIND
24 Month
1.00%
1.00%
Semi-Annual
$500
IRA/ROTH/CESA CDs
182 Day
0.40%
0.40%
At Maturity
$50
18 Month
0.90%
0.90%
Semi-Annual
$50
18 Month Variable*
0.90%
0.90%
Semi-Annual
$50
24 Month
1.10%
1.10%
Semi-Annual
$50
48 Month
1.59%
1.60%
Semi-Annual
$50
60 Month
1.89%
1.90%
Semi-Annual
$50
HEALTH SAVINGS ACCOUNT CD
24 Month
1.10%
1.10%
Semi-Annual
$2,500
SAVINGS ACCOUNTS
iSavings *
0.20%
0.20%
Monthly
$100
R. Banking Friends *
0.15%
0.15%
Quarterly
$5
Christmas Club
Automatic Transfer
0.30%
0.30%
Annually
$5
Non-Automatic Transfer
0.20%
0.20%
Annually
$5
Statement Savings *
0.15%
0.15%
Monthly
$100
Passbook Savings *
0.05%
0.05%
Quarterly
$100
Money Market *
$1,000
$1,000 - $14,999.99
0.20%
0.20%
Monthly
$15,000 - $29,999.99
0.25%
0.25%
Monthly
$30,000 - $59,999.99
0.30%
0.30%
Monthly
$60,000 - PLUS
0.35%
0.35%
Monthly
Money Market Max *
$10,000
$10,000 - $99,999.99
0.35%
0.35%
Monthly
  
$100,000 - $499,999.99
0.40%
0.40%
Monthly
  
$500,000 - $999,999.99
0.40%
0.40%
Monthly
  
$1,000,000 - PLUS
0.40%
0.40%
Monthly
  
CHECKING ACCOUNTS
iChecking & Advantage Plus *
$500
$500 - $2,499.99
0.05%
0.05%
Monthly
$2,500 - $4,999.99
0.10%
0.10%
Monthly
$5,000 - PLUS
0.15%
0.15%
Monthly
Advantage Classic & VIP *
$1,000
$1,000 - $2,499.99
0.05%
0.05%
Monthly
$2,500 - $4,999.99
0.10%
0.10%
Monthly
$5,000 - $9,999.99
0.15%
0.15%
Monthly
$10,000 - PLUS
0.20%
0.20%
Monthly
iBusiness Checking

$100
$1,000 - $14,999.99
0.20%
0.20%
Monthly
$15,000 - $29,999.99
0.25%
0.25%
Monthly
$30,000 - $59,999.99
0.30%
0.30%
Monthly
$60,000 - PLUS
0.35%
0.35%
Monthly
         
Health Savings Account*
0.50%
0.50%
Monthly
$50

The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Early withdrawals may be subject to penalties. Penalties will be 1 month, 3 months, 6 months, 12 months, or 18 months interest on the amount withdrawn depending on the term of the CD. Certificates of Deposit will automatically renew at maturity. Fees could reduce earnings.

* The interest rate and annual percentage yield may change after the account is opened.

Deposits or depositors are insured by the Federal Deposit Insurance Corporation at least $250,000 for each depositor.