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Rates

Rates Effective as of May 2, 2013

Time Certificate of Deposit
  $1,000 to
$9,999.99		 $10,000 to
$24,999.99		 $25,000 to
$99,999.99		 $100,000 AND OVER
  RATE      APY RATE      APY RATE      APY RATE      APY
7 - 30 DAYS 0.30%   0.30% 0.30%   0.30% 0.30%   0.30% 0.30%   0.30%
31 - 89 DAYS 0.40%   0.40% 0.40%   0.40% 0.40%   0.40% 0.40%   0.40%
90 - 119 DAYS 0.50%   0.50% 0.50%   0.50% 0.50%   0.50% 0.50%   0.50%
120 - 149 DAYS 0.50%   0.50% 0.50%   0.50% 0.50%   0.50% 0.50%   0.50%
150 - 179 DAYS 0.60%   0.60% 0.60%   0.60% 0.60%   0.60% 0.60%   0.60%
180 - 269 DAYS 0.70%   0.70% 0.70%   0.70% 0.70%   0.70% 0.70%   0.70%
270 - 364 DAYS 0.80%   0.80% 0.80%   0.80% 0.80%   0.80% 0.80%   0.80%
12 MONS - 23 MONS 0.85%   0.85% 0.85%   0.85% 0.85%   0.85% 0.85%   0.85%
24 MONS - 59 MONS 0.90%   0.90% 0.90%   0.90% 0.90%   0.90% 0.90%   0.90%
60 - MONTHS 1.00%   1.00% 1.05%   1.06% 1.05%   1.06% 1.00%   1.00%



Money Market Account
  $0.01 to 
$2,499.99		 $2,500.00 to 
$9,999.99		 $10,000 to 
$24,999.99		  
  RATE      APY RATE      APY RATE      APY  
Personal Money Market Acct 0.25% 0.25% 0.35% 0.35% 0.45% 0.45%  
Business Money Market Acct 0.25% 0.25% 0.35% 0.35% 0.45% 0.45%  
         
  $25,000 to 
$49,999.99		 $50,000 to 
$74,999.99		 $75,000 and 
OVER		  
  RATE      APY RATE      APY RATE      APY  
Personal Money Market Acct 0.55% 0.55% 0.60% 0.60% 0.60% 0.60%  
Business Money Market Acct 0.55% 0.55% 0.60% 0.60% 0.60% 0.60%  



Savings
  $0.01 to $999.99 $1,000.00 to $4,999.99 $5,000 to $9,999.99  
  RATE      APY RATE      APY RATE      APY  
Personal Savings 0.25% 0.25% 0.35% 0.35% 0.45%  0.45%  
Business Savings 0.25% 0.25% 0.35%  0.35% 0.45%  0.45%  
         
  $10,000 to $49,999.99 $50,000 to $99,999.99 $100,000 and Over  
  RATE      APY RATE      APY RATE      APY  
Personal Savings 0.55%  0.55% 0.60%  0.60% 0.70%   0.70%  
Business Savings 0.55%  0.55% 0.60%  0.60% 0.70%   0.70%  



NOW Account
  RATE      APY      
Personal NOW Account 0.20%   0.20%      
Business NOW Account 0.20%   0.20%      
Attorney Client Trust 0.20%   0.20%      
#NOTE *APY = ANNUAL PERCENTAGE YIELD; RATE SUBJECTS TO CHANGE WITHOUT FURTHER NOTICE Penalties apply for early withdrawal of time certificate of deposits    

Rates valid for individuals and businesses only.