Account Product Name
Minimum Opening Deposit
Minimum Balance
to obtain APY

Interest Rate

Annual Percentage Yield
Interest Checking b
$ 100.00
.05%
.05%
Ultimate Checking b
$ 100.00
Daily Balances of:
up to $10,000.00
.05%
.05%
$10,000.01 - 25,000.00
.05%
.05%
$25,000.01 and up
.10%
.10%
Statement Savings b
$ 100.00
.10%
.10%
Student Statement Savings b
$ 100.00
.10%
.10%
Money Market Account b
$ 100.00
Daily Balances of:
up to $2,500.00
.10%
.10%
$2,501.00 - 15,000.00
.10%
.10%
$15,000.01 - 50,000.00
.15%
.15%
$50,000.01 - 100,000.00
.15%
.15%
$100,000.01 and up
.20%
.20%
3 Month Certificate of Deposit a
$ 500.00
$ 500.00 c
.10%
.10%
6 Month Certificate of Deposit a
$ 500.00
$ 500.00 c
.20%
.20%
12 Month Certificate of Deposit a
$ 500.00
$ 500.00 c
.35%
.35%
24 Month Certificate of Deposit a
$ 500.00
$ 500.00 c
.65%
.65%
36 Month Certificate of Deposit a
$ 500.00
$ 500.00 c
1.00%
1.00%
48 Month Certificate of Deposit a
$ 500.00
$ 500.00 c
1.20%
1.20%
60 Month Certificate of Deposit a
$ 500.00
$ 500.00 c
1.60%
1.60%
Bump-A-Rate 36 Month Certificate of Deposit a,b
$ 500.00
 $ 500.00 c
.75%
.75%
Bump-A-Balance 12 Month Certificate of Deposit a
$ 100.00
 $ 100.00 c
.20%
.20%
15 Month Certificate of Deposit a
$ 2500.00
$ 2500.00 c
.70%
.70%
Month Certificate of Deposit a
$
$ c
%
%

a) A penalty will be imposed for early withdrawl.
b) The interest rate and annual percentage yield may change after account opening.
c) Daily balance. The amount of the principal in the account each day.

Fees could reduce the earnings on the account.


Interest Rates and Annual Percentage Yields are current as of 01/31/2012

For current rate information call (701) 427-5212 or (701) 683-5000