Deposit Interest Rates

Rates effective as of October 23, 2014

Checking
Account Type Interest Rate APY* Minimum To Open & Earn APY
Carefree Interest Checking 0.200% 0.20% $500
*Annual Percentage Yield is based on principal plus interest reinvested at the same rate with interest compounded monthly.
Fees could reduce earnings on these accounts.
Rates are subject to change after the account is opened.


Savings
Account Type Interest Rate APY* Minimum To Open & Earn APY
Savings 0.250% 0.25% $25
Christmas Club 0.250% 0.25%
*Annual Percentage Yield is based on principal plus interest reinvested at the same rate.
Regular Savings Accounts are compounded daily and credited quarterly.
Christmas Club accounts are not compounded.
Fees could reduce earnings on these accounts.
Rates are subject to change after the account is opened.


Money Market Accounts
Account Type Interest Rate APY* Minimum To Open & Earn APY
Ins. MM 0.250% 0.25% $2,500
Super Ins. MM
$0.01 to $9,999.99 0.250% 0.25% $100
$10,000 + 0.250% 0.25% $10,000
*Annual Percentage Yield is based on principal plus interest reinvested at the same rate with interest compounded monthly.
Fees could reduce earnings on these accounts.
Rates are subject to change after the account is opened.


Certificates of Deposit
Account Type Interest Rate APY* Minimum To Open & Earn APY
6 Month Certificate 0.350% 0.35% $1,000
9 Month Certificate 0.500% 0.50% $1,000
12 Month Certificate 0.600% 0.60% $1,000
15 Month Certificate 0.700% 0.70% $1,000
18 Month Certificate 0.800% 0.80% $1,000
24 Month Certificate 0.950% 0.95% $1,000
30 Month Certificate 1.000% 1.00% $1,000
36 Month Certificate 1.150% 1.15% $1,000
48 Month Certificate 1.245% 1.25% $1,000
The Certificate of Deposit terms and rates listed above are also available for Individual Retirement Accounts

*Annual Percentage Yield is based on principal plus interest reinvested at the same rate with interest compounded quarterly.
Substantial penalty for early withdrawal.
Rates are subject to change after the account is opened.


Individual Retirement Accounts (TDOA)
Account Type Interest Rate APY* Minimum To Open & Earn APY
18 Month 0.800% 0.80% $100
*Annual Percentage Yield is based on principal plus interest reinvested at the same rate with interest compounded quarterly.
Substantial penalty for early withdrawal.
Rates are subject to change after the account is opened.


Health Savings Checking Account
Account Type Interest Rate APY* Minimum To Open & Earn APY
$100.00-$2999.99 0.200% 0.20% $100
$3000.00 - $4999.99 0.250% 0.25%
$5000.00 - $9999.99 0.250% 0.25%
$10,000.00 - $24,999.99 0.300% 0.30%
$25,000.00 + 0.300% 0.30%
*Annual Percentage Yield is based on principal plus interest
reinvested at the same rate with interest compounded monthly.
Fees could reduce earnings on this account.
Rates are subject to change after account opening.