• no fees
• just a $5 minimum balance
• 24hr Online Banking
• 24hr Bank By Phone

Type	Rate
Savings	0.40% ; 0.4 APY
Holiday	0.40% ; 0.4 APY
Vacation	0.40% ; 0.4 APY

Rates as of: 12/15/2011

Checking Accounts

• No-Minimum Balance
• UNLIMITED Check Writing
• Free Online Banking
• Free Bill Pay Service
• First check order is Free
  with Duplicate Carbon Copies of Checks For Your Records
• 24 Hr Online Banking
• 24 Hr Bank By Phone
• Online cleared check images (last 90 days)
  (see fee schedule)
• Overdraft Advance Program. (disclosure)

Certificate of Deposits

• We offer terms up to 5 years!
• Great interest rates are available and are guaranteed for the term of the certificate!
• Minimum to open is $ 500
• Dividends calculated daily
• High yield rates for terms 3-60 months 

Type	Rate
CD 6-11mo	0.65% ; 0.65 APY
CD 12-23mo	0.85% ; 0.85 APY
CD 24-35mo	1.20% ; 1.21 APY
CD 3yr +	1.20% ; 1.21 APY

Rates as of: 12/15/2011