Effective 02/10/10

Account Type Interest Rate APY*

Hometown Checking
*Minimum of $100.00 to open

-

-

Regular Checking
*Minimum of $100.00 to open

0.10%

0.10%

Platinum 50 Checking
*Minimum of $100.00 to open
 
0.10%

0.10%

Premier Checking
*Minimum of $100.00 to open
   
 $0-2,499.99 0.10% 0.10%

 $2,500-4,999.99

0.10% 0.10%
 $5,000-9,999.99 0.10% 0.10%
 $10,000 - 499,999.99 0.10% 0.10%
 $500,000 or higher 0.25% 0.25%
     
Premium Money Market *Minimum of $2,500.00 to open    
 $2,500-9,999.99 0.10% 0.10%

 $10,000 - 24,999.99

0.75% 0.75%
 $25,000.00 - higher 1.64% 1.65%
 $15.00 Service Charge if Balance falls below $2,500.00 any day.    
 Transfers to another account or third parties are limited to six (6) per statement cycle with no more than three (3) by check $8.00 fee for each withdrawal over six (6)    
     
Business Money Market *Minimum of $100.00 to open    
 $5,000-9,999.99 0.10% 0.10%
 $10,000-14,999.99 0.10% 0.10%
 $15,000 - 249,999.99 0.25% 0.25%
 $250,000 or higher 1.00% 1.01%
     

Personal Savings
*Minimum of $100.00 to open
   
 
Interest paid monthly if balance falls below
$2,500
0.10% 0.10%

 
Interest paid monthly for balances of
$2,500-4,999.99

0.10% 0.10%
 
Interest paid monthly for balances of
$5,000-9,999.99
0.10% 0.10%
 
Interest paid monthly for balances of
$10,000 - 499,999.99
0.10% 0.10%
 
Interest paid monthly for balances of
$500,000 or higher
0.25% 0.25%
     
     
Business Savings *Minimum of $100.00 to open 0.10% 0.10%
     
Certificates of Deposit
(Minimum deposit of $5000 required on all Certificates of Deposit. Certificates of Deposit Subject to Early Withdrawal Penalty.)
   
 6 months 1.49% 1.50%
 12 months 1.74% 1.75%
 18 months 1.83% 1.85%
 24 months 2.08% 2.10%
 36 months 2.23% 2.25%
 60 months 2.23% 2.25%
     
Minimum deposit of $1000 required on all consumer Certificates of Deposit
Minimum deposit of $5000 required on all commercial Certificates of Deposit
Rates are subject to change after account opening    
*Annual Percentage Yield    
Fees may reduce earnings    
A - Checking or Savings Account required with minimum $500 opening deposit