RATES » Savings and Money Markets

Savings
Account Type	Minimum to Open	Minimum to Earn APY	Interest Rate	APY***
Youth	$10	$10	0.500%	0.500%
Passbook/Statement	$100	$100	0.300%	0.300%
Christmas Club	$2-$50	$2	.995%	1.000%
All Purpose Club	$2-$50	$2	.995%	1.000%
Interest rates and APY accurate as of 11/17/08. Youth and statement accounts are variable rate accounts and may change after opening. Club accounts are fixed rate accounts. Fees could reduce earnings.

Personal Money Market & IRA Savings
Minimum Balance to Earn APY	Interest Rate	APY
Balances less than $9,999.99:	0.500%	0.500%
Balances $10,000 to $24,999.99:	.750%	.750%
Balances $25,000 to $74,999.99:	1.490%	1.500%
Balances over $75,000:	1.980%	2.000%
Interest rates and Annual Percentage Yields (APY) effective as of 11/17/08 and are subject to change without notice. The interest rate and APY may change after opening. $100 minimum deposit required. Fees could reduce earnings.

Health Savings Money Market
Minimum Balance to Earn APY	Interest Rate	APY
Balances up to $499.99:	0.500%	0.500%
Balances $500 to $4,999.99:	0.750%	0.750%
Balances $5,000 to $14,999.99:	0.995%	1.000%
Balances over $15,000:	1.240%	1.250%
Interest rates and Annual Percentage Yields (APY) 11/17/08 and are subject to change without notice. The interest rate and APY may change after opening. $100 minimum deposit required. Fees could reduce earnings.

Business Money Market
Minimum Balance to Earn APY	Interest Rate	APY
Balances less than $10,000:	0.500%	0.500%
Balances between $10,000-$24,99999:	0.750%	0.750%
Balances between $25,000-$74,99999:	1.490%	1.500%
Balances over $75,000:	1.980%	2.000%
Interest rates and APY accurate as of 11/17/08 and are subject to change without notice. The interest rate and APY may change after opening. $100 minimum opening deposit required. Fees could reduce earnings.