Deposit Rates

Effective Date:


Customers who do not live or work within our Market Area must visit our banking office to qualify.

BASIC BANKING PRODUCTS
REGULAR CHECKING ACCOUNTS
Type/Min to Open/Min to Earn Annual Percentage Yield APY Interest Rate
NOW Checking $25/$25 0.10%* 0.10%
No Frills Checking $50 N/A N/A
Student Checking $25 N/A N/A

* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.

Fees may reduce earnings. The rate is variable and may change after the account is opened.
REGULAR SAVINGS ACCOUNTS
Type/Min to Open/Min to Earn Annual Percentage Yield APY Interest Rate
Passbook Savings $25/$25 0.36%* 0.35%
Statement Savings $25/$25 0.36%* 0.35%
Energy Club $1/$1 2.05%* 2.00%
Club Account $1/$1 0.36%** 0.35%

* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.

** You must maintain a minimum daily balance of $1.00 in the account each day to obtain the disclosed annual percentage yield.

Fees may reduce earnings. The rate is variable and may change after the account is opened.
REGULAR CERTIFICATES OF DEPOSIT
Term and Minimum to Open APY Interest Rate
3 Months $5,000 0.38%*** 0.375%
6 Months $5,000 0.51%*** 0.500%
9 Months $5,000 0.64%*** 0.625%
12 Months $1,000 0.64%*** 0.625%
15 Months $1,000 1.15%**** 1.125%
18 Months $1,000 1.15%**** 1.125%
24 Months $1,000 1.15%**** 1.125%
36 Months $1,000 1.28%**** 1.250%
48 Months $1,000 1.28%**** 1.250%
60 Months $1,000 1.28%**** 1.250%

CD rates are guaranteed for the length of the specified term. Substantial penalties may be imposed on early withdrawals. Certain other restrictions may apply.

*** You must maintain a minimum daily balance of $5,000.00 in the account each day to obtain the disclosed annual percentage yield.

**** You must maintain a minimum daily balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
REGULAR IRAs / ROTH / EDUCATION
Term and Minimum to Open APY* Interest Rate
12 Month $500 1.40% 1.375%
24 Month $500 1.53% 1.500%
60 Month $500 1.40% 1.375%
Variable IRA Savings** 1.28% 1.250%

IRA rates are guaranteed for the length of the specified term. Substantial penalties may be imposed on early withdrawals. Certain other restrictions may apply.

* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield

** ROTH and EDUCATION IRA not available for Variable IRA Savings
REGULAR MONEY MARKET ACCOUNT
Minimum Balance APY* Interest Rate
Below $2,500 0.13% 0.125%
$2,500-24,999 0.38% 0.375%
$25,000-49,999 0.89% 0.875%
$50,000 & up 1.15% 1.125%

Fees could reduce earnings on these accounts. Variable rate may change after account is opened. Certain other restrictions may apply.

Mininmum to open account $2,500

* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.

Fees may reduce earnings. The rate is variable and may change after the account is opened.

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*Maintain a relationship balance of just $5,000.00 in all of your deposit and loan accounts to qualify for the following rates. Gold or VIP programs require a Gold or VIP Checking Account.

GOLD BANKING PRODUCTS

GOLD CHECKING ACCOUNTS
Type/Min to Open/Min to Earn Annual Percentage Yield APY* Interest Rate
Gold Checking $50 0.10% 0.10%

* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.

Fees may reduce earnings. The rate is variable and may change after the account is opened.
GOLD SAVINGS ACCOUNTS
Type/Min to Open/Min to Earn Annual Percentage Yield APY Interest Rate
Passbook Savings $25/$25 0.87%* 0.85%
Statement Savings $25/$25 0.87%* 0.85%
Club Account $1/$1 0.87%** 0.85%

* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield

** You must maintain a minimum daily balance of $1.00 in the account each day to obtain the disclosed annual percentage yield.

Fees may reduce earnings. The rate is variable and may change after the account is opened.

GOLD CHECKING ACCOUNT REQUIRED
GOLD CERTIFICATES OF DEPOSIT
Term and Minimum to Open APY Interest Rate
3 Months $5,000 0.76%*** 0.750%
6 Months $5,000 1.02%*** 1.000%
9 Months $5,000 1.15%*** 1.125%
12 Months $1,000 1.15%*** 1.125%
15 Months $1,000 1.53%**** 1.500%
18 Months $1,000 1.40%**** 1.375%
24 Months $1,000 1.53%**** 1.500%
36 Months $1,000 1.66%**** 1.625%
48 Months $1,000 1.53%**** 1.500%
60 Months $1,000 1.79%**** 1.750%

CD rates are guaranteed for the length of the specified term. Substantial penalties may be imposed on early withdrawals. Certain other restrictions may apply.

*** You must maintain a minimum daily balance of $5,000.00 in the account each day to obtain the disclosed annual percentage yield

**** You must maintain a minimum daily balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield

GOLD CHECKING ACCOUNT REQUIRED
GOLD IRAs / ROTH / EDUCATION
Term and Minimum to Open APY* Interest Rate
12 Month $500 1.66% 1.625%
24 Month $500 1.79% 1.750%
60 Month $500 1.79% 1.750%
Variable IRA Savings** 1.53% 1.500%

IRA rates are guaranteed for the length of the specified term. Substantial penalties may be imposed on early withdrawals. Certain other restrictions may apply.

* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield

** ROTH and EDUCATION IRA not available for Variable IRA Savings

GOLD CHECKING ACCOUNT REQUIRED
GOLD MONEY MARKET ACCOUNT
Minimum Balance APY* Interest Rate
Below $2,500 0.38% 0.375%
$2,500-24,999 0.64% 0.625%
$25,000-49,999 1.15% 1.125%
$50,000 & up 1.40% 1.375%

Fees could reduce earnings on these accounts. Variable rate may change after account is opened. Certain other restrictions may apply.

Minimum to open account $2,500.

* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.

Fees may reduce earnings. The rate is variable and may change after the account is opened.

GOLD CHECKING ACCOUNT REQUIRED

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*Maintain a relationship balance of $750,000.00 in all of your deposit and loan accounts to qualify for the following rates Gold or VIP programs require a Gold or VIP Checking Account.

VIP BANKING PRODUCTS

VIP CHECKING ACCOUNTS
Type/Min to Open/Min to Earn Annual Percentage Yield APY* Interest Rate
VIP Checking $50 0.25% 0.25%

* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.

Fees may reduce earnings. The rate is variable and may change after the account is opened.
VIP SAVINGS ACCOUNTS
Type/Min to Open/Min to Earn Annual Percentage Yield APY Interest Rate
Passbook Savings $25/$25 1.12%* 1.10%
Statement Savings $25/$25 1.12%* 1.10%
Club Account $1/$1 1.12%** 1.10%

* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield

** You must maintain a minimum daily balance of $1.00 in the account each day to obtain the disclosed annual percentage yield.

Fees may reduce earnings. The rate is variable and may change after the account is opened.

VIP CHECKING ACCOUNT REQUIRED
VIP CERTIFICATES OF DEPOSIT
Term and Minimum to Open APY Interest Rate
3 Months $5,000 0.89%*** 0.875%
6 Months $5,000 1.15%*** 1.125%
9 Months $5,000 1.28%*** 1.250%
12 Months $1,000 1.28%*** 1.250%
15 Months $1,000 1.66%**** 1.625%
18 Months $1,000 1.53%**** 1.500%
24 Months $1,000 1.53%**** 1.500%
36 Months $1,000 1.66%**** 1.625%
48 Months $1,000 1.66%**** 1.625%
60 Months $1,000 1.92%**** 1.875%

CD rates are guaranteed for the length of the specified term. Substantial penalties may be imposed on early withdrawals. Certain other restrictions may apply.

*** You must maintain a minimum daily balance of $5,000.00 in the account each day to obtain the disclosed annual percentage yield

**** You must maintain a minimum daily balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield

VIP CHECKING ACCOUNT REQUIRED
VIP IRAs / ROTH / EDUCATION
Term and Minimum to Open APY* Interest Rate
12 Month $500 1.79% 1.750%
24 Month $500 1.79% 1.750%
60 Month $500 2.05% 2.000%
Variable IRA Savings** 1.66% 1.625%

IRA rates are guaranteed for the length of the specified term. Substantial penalties may be imposed on early withdrawals. Certain other restrictions may apply.

* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield

** ROTH and EDUCATION IRA not available for Variable IRA Savings

VIP CHECKING ACCOUNT REQUIRED
VIP MONEY MARKET ACCOUNT
Minimum Balance APY* Interest Rate
Below $2,500 0.64% 0.625%
$2,500-24,999 0.89% 0.875%
$25,000-49,999 1.40% 1.375%
$50,000 & up 1.66% 1.625%

Fees could reduce earnings on these accounts. Variable rate may change after account is opened. Certain other restrictions may apply.

Minimum to open account $2,500.

* You must maintain a minimum daily balance of $25.00 in the account each day to obtain the disclosed annual percentage yield.

Fees may reduce earnings. The rate is variable and may change after the account is opened.

VIP CHECKING ACCOUNT REQUIRED

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