Checking and Savings Accounts 1

Account Type

Minimum Balance to Open

Minimum Balance to Earn APY 2

Interest Rate

APY

Interest Paid

Free Checking

$100

N/A

0.00%

0.00%

N/A

Passbook Savings

$100

$100

0.25%

0.25%

Quarterly

Personal Money Market

$200

$200 - $2,499.99

$2,500.00 and over

0.25%

0.75%

0.25%

0.75%

Monthly

Monthly

 Certificates of Deposit 3 4

Account Type

Minimum Balance to Open

Minimum Balance to Earn APY2

Interest Rate

APY

Interest Paid

6 Month Certificate

$1,000

$1,000

0.65%

0.65%

At maturity

9 Month Certificate - Special Rate

$1,000

$1,000

3.50%

3.53%

At maturity

1 Year Certificate

$500

$500

0.65%

0.65%

Quarterly

2 Year Certificate

$500

$500

0.65%

0.65%

Quarterly

3 Year Certificate

$500

$500

0.65%

0.65%

Quarterly

5 Year Certificate

$500

$500

0.65%

0.65% 

Quarterly

1 Interest rate and APY may vary after the account is opened and fees may reduce earnings.
2 APY refers to Annual Percentage Yield.
3 There is a penalty for early withdrawal of funds from CDs.

4 Maximum deposit amount: $249,000.

A copy of the Terms and Conditions is available upon request.