Savings and Certificates of Deposit

• Earns a variable tiered interest rate; compounded and credited monthly
• Withdraw at any time without notice or penalty
• ATM access available
• $50 minimum to open

• $1.00 per month if your minimum daily balance
  falls below $350

Effective Date: 9/9/2010

Minimum to open $50
*Rate is variable and may change after account opening.

• Earns a variable tiered interest rate; compounded and credited monthly
• No risk investment that pays a higher interest rate
• Check writing privileges
• Six preauthorized, automatic, telephone transfer to another account or to third parties or checks made to a third party per statement cycle.
• Insured in full by the FDIC and DIF
• $2,500 minimum to open

• $8 monthly fee if your minimum daily balance falls below $2,500
• $15 fee for each check, draft, debit card or online banking transaction to a third party in excess of 6 per statement cycle

Effective Date: 9/9/2010

Minimum to open $2,500.
*Rate is variable and may change after account opening.
Fees and withdrawals may reduce earnings. The minimum balance tiers to earn the APY stated reflect the full tier balance ranges for each appropriate tier.