Savings and Interest Rates

Account	Minimum Balance	Interest Rate*	APY+
Passbook Savings	$100 .00	0.10%	0.10%
Money Market	$2,500 .00	0.15%	0.15%
Money Market Gold	$10,000 .00	0.30%	0.30%
*Interest Rates and APY are variable and are subject to change without notice.

Certificates of Deposit

Certificate	Minimum Balance	Interest Rate	APY+
6 month	$500 .00	0.20%	0.20%
10 month	$500 .00	0.50%	0.50%
1 year	$500 .00	0.30%	0.30%
15 month	$500.00	0.35%	0.35%
18 month	$500 .00	0.99%	1.00%
2 year	$500.00	0.55%	0.55%
3 year	$500 .00	0.85%	0.85%
5 year	$500.00	1.44%	1.45%
+The APY assumes that the current interest rate will be in effect for one year and that the interest credited remains on deposit. A withdrawal of interest will reduce earnings. Penalty for early withdrawal.