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Checking, Savings and CD Accounts
Interest Rates and Terms                                       Effective: 01/26/2012
Type
Term
Rate
APY*
Bonus Rate
Bonus APY*
Min. Opening Balance
Min. Balance to Obtain APY
Certificate
Certificate
Certificate
Certificate
Certificate
Certificate
Certificate
Certificate
Certificate
Certificate
Certificate
Certificate
Certificate
Certificate
Certificate
Certificate
Certificate
Certificate
1Passbook
1~Statement Savings
1~Statement Savings
1~Crystal Checking
1~Crystal Checking
1~N.O.W.
1~Super N.O.W.
1~Super N.O.W.
1~Money Market
1~Money Market
1Clubs
75 Day
3 Month
4 Month
6 Month
8 Month
9 Month
11 Month
12 Month
14 Month
15 Month
18 Month
24 Month
25 Month
30 Month
36 Month
50 Month
72 Month
84 Month
-
-
-
-
-
-
-
-
-
-
-

0.44%
0.44%
0.44%
0.49%
0.49%
0.49%
0.49%
0.59%
0.69%
0.69%
0.88%
1.13%
1.13%
1.13%
1.37%
1.61%
1.86%
1.86%
0.39%
0.30%
0.39%
0.20%
0.39%
0.20%
0.20%
0.30%
0.20%
0.39%
0.39%

0.45%
0.45%
0.45%
0.50%
0.50%
0.50%
0.50%
0.60%
0.70%
0.70%
0.90%
1.15%
1.15%
1.15%
1.40%
1.65%
1.90%
1.90%
0.40%
0.30%
0.40%
0.20%
0.40%
0.20%
0.20%
0.30%
0.20%
0.40%
0.40%
-
-
-
-
-
-
-
-
-
-
-
-
1.38%**
-
-
-
-
2.11%**
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
1.41%**
-
-
-
-
2.16%**
-
-
-
-
-
-
-
-
-
-
-
 $500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$50.00
$50.00
$50.00
$15,000,00
$15,000.00
$200.00
$2500.00
$2500.00
$2500.00
$2500.00
$1.00

$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$500.00
$1.00
.01 to $24,999.00
$25,000.00+
.01 to 14,999.00
15,000+
$50.00
.01 to 2,499.00
2,500.00+
.01 to 2,499.00
$2,500.00+
$1.00

1 Interest rates may change after account opening.
Penalties may be imposed for early withdrawal from CD accounts.
~Fees may reduce earnings on account.

All certificates available for IRA Accounts.

 *Annual Percentage Yield
**With Crystal Checking Account

The USA PATRIOT ACT requires identity verification for all new accounts. It is our policy that all owners of new accounts appear in person.