DEPOSIT AND LOAN RATES

We offer a variety of solutions with competitive rates for both your deposit and lending needs.

OPEN ACCOUNT

CERTIFICATE OF DEPOSIT /INDIVIDUAL RETIREMENT ACCOUNT / COVERDELL SAVINGS ACCOUNT

*Annual Percentage Yield (APY), accurate as of 8/21/17, is for an 18-month Certificate of Deposit with a minimum opening deposit of $5,000. Rate subject to change. Limited time offer. Account will automatically renew at maturity for 12-months, beginning on the maturity date. At maturity, the interest rate will be the same as the regular 12-month Certificate of Deposit and the Freedom CD features will cease. Customer may make a closing withdrawal at any time during the original 18-month term without penalty with a 7 calendar day notice. Withdrawals less than full amount will be subject to a 12-month penalty. Customer can exchange the rate one time during the initial 18-month term. The exchange rate will be the interest rate offered on a regular 12-month Certificate of Deposit. Customer may make one additional deposit during the original 18-month term that must be equal to the amount of the original 18-month term deposit with the total principal balance not to exceed $250,000. Fees may reduce earnings on the account. Offer is subject to withdrawal at any time.

Annual Percentage Yields (APY) are effective as of December 9, 2016.
Balance Range: $500 to $99,999.99
(Minimum opening deposits: $100 for a 1-Year IRA • $25 for a CESA)

TERM INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)</strong
182 Days .25% .25%
1 Year .35% .35%
2 Years .50% .50%
3 Years 1.00% 1.00%
4 Years 1.35% 1.35%
5 Years 1.65% 1.66%

A penalty may be imposed for early withdrawals on Certificate of Deposit accounts and IRA accounts. Rates are subject to change without notice.

GOOD NEIGHBORS CLUB CHECKING

Annual Percentage Yields (APY) are effective as of January 1, 2015.
To obtain the annual percentage yield disclosed, you must maintain the following balances:

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$500.00 – $4,999.99 .10% .10%
$5,000.00 – $49,999.99 .15% .15%
$50,000.00 and Over .20% .20%
BUSINESS ADVANTAGE

Annual Percentage Yields (APY) are effective as of January 1, 2015.
To obtain the annual percentage yield disclosed, you must maintain the following balances:

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$2,500.00 – $9,999.99 .05% .05%
$10,000.00 – $49,999.99 .10% .10%
$50,000.00 and Over .15% .15%
MONEY MARKET DEMAND ACCOUNT

Annual Percentage Yields (APY) are effective as of January 1, 2015.
(Minimum to open account is $2,500.00)
To obtain the annual percentage yield disclosed, you must maintain the following balances:

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$0.01 – $2,499.99 .05% .05%
$2,500.00 – $24,999.99 .20% .20%
$25,000.00 – $49,999.99 .25% .25%
$50,000.00 – $99,999.99 .30% .30%
$100,000.00 and Over .40% .40%
MARKET SHARE INVESTMENT ACCOUNT

Annual Percentage Yields (APY) are effective as of January 1, 2015.
(Minimum to open account is $25,000.00)
To obtain the annual percentage yield disclosed, you must maintain the following balances:

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$0.01 – $2,499.99 .05% .05%
$2,500.00 – $24,999.99 .25% .25%
$25,000.00 – $99,999.99 .35% .35%
$100,000.00 and OVER .45% .45%
STATEMENT SAVINGS

Annual Percentage Yields (APY) are effective as of January 1, 2015.
To obtain the annual percentage yield disclosed, you must maintain the following balances:

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$0.01 – $24,999.99 .15% .15%
$25,000.00 and Over .20% .20%
CLUB ACCOUNTS

Annual Percentage Yields (APY) are effective as of September 23, 2015.
To obtain the annual percentage yield disclosed, you must maintain the following balances:

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$0.01 and Over .15% .15%

Please contact us for further information about applicable fees and terms. Fees may reduce the earnings on these accounts. Rate may change after account is opened.

Rates are effective as of January 9, 2017.

Unsecured Personal Loan

Example shown based on minimum loan amount

AMOUNT TERM INTEREST RATE ANNUAL PERCENTAGE RATE PAYMENT / $1,000.00
$2,500 24 Months 12.25% 14.181% $48.36
New Auto & Recreation Vehicle

Based on a $10,000 Loan (2017 or previously untitled 2016)

TERM INTEREST RATE ANNUAL PERCENTAGE RATE PAYMENT / $1,000.00
36 Months 4.50% 4.825% $29.93
48 Months 4.75% 4.9993% $23.06
60 Months 5.00% 5.2029% $18.99
72 Months 5.25% 5.4219% $16.33
USED AUTO & RECREATIONAL VEHICLE

Based on a $10,000 Loan

TERM INTEREST RATE ANNUAL PERCENTAGE RATE PAYMENT / $1,000.00
36 Months 5.50% 5.827% $30.40
48 Months 5.75% 6.0011% $23.53
60 Months 6.00% 6.2049% $19.46

Credit subject to approval. A loan fee may be required. Rates and terms are subject to change without notice. Automatic payment option available. Consult a tax advisor regarding deductibility of interest.

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