Type of AccountMinimum Opening DepositMinimum Balance
to Obtain APY
Interest
Rate
Annual Percentage
Yield (APY)
Interest Bearing Checking Account
Now Accounts $50.00$0.000.10%0.10%
Preferred Checking$50.00$0.000.10%0.10%
Money Market Account
Balances between $0 and $999.99
$100.00
$0.00
0.149%
0.15%
Balances between $1,000.00 and $9,999.99
$1,000.00
0.149%
0.15%
Balances between $10,000.00 and $49,999.99
$10,000.00
0.199%
0.20%
Balances between $50,000.00 and $99,999.99
$50,000.00
0.299%
0.30%
Balances between $100,000.00 and $499,999.00
$100,000.00
0.499%
0.50%
Balances over $500,000.00
$500,000.00
0.849%
0.85%
Business Money Market Account
Balances between $0 and $24,999.99
$100.00
$0.00
0.149%
0.15%
Balances between $25,000.00 and $49,999.99
$25,000.00
0.199%
0.20%
Balances between $50,000.00 and $99,999.99
$50,000.00
0.299%
0.30%
Balances between $100,000.00 and $499,999.99
$100,000.00
0.499%
0.50%
Balances over $500,000.00
$500,000.00
0.849%
0.85%
Statement Savings Account
All Balances$50.00
$0.00
0.15%
0.15%
Premier Savings Account
All Balances$50.00$0.000.15%0.15%
$10,000$10,0001.90%1.90%
Fixed Rate Certificates of Deposit / IRA's
$500 minimum for personal CD's and
Balances less than $250,000.00Balances of $250,000 or more
$1,000 minimum for business CD's to open Annual Percentage YieldAnnual Percentage Yield
Maturities Available
Standard
Standard

30 days
0.15%
0.20%
60 days
0.20%
0.25%
90 days
0.25%
0.30%
180 days
0.40%
0.45%
12 month
0.65%
0.70%
18 month
0.80%
0.90%
24 month
1.00%
1.10%
36 month
1.30%
1.40%
48 month
1.50%
1.85%
60 month
1.60%
2.00%
SPECIAL CDs
13 months
2.55% APY
18 months
2.75% APY

This is a Deposit Product Rate Summary which is part of the Truth in Saving Disclosure. Our Deposit Rule Disclosures Brochure details fees, minimum balance requirements, and transaction limits on checking, NOW, savings and money market accounts. Fees may reduce the earnings on these accounts. The Annual Percentage Yield calculated using the daily balance method. All interest earning accounts except for certificates of deposits are variable rate accounts. The interest rate and annual percentage yield on such accounts may change at any time. You agree to keep your funds on deposit until the maturity date of the time deposit. You may not withdraw the principal of your account before its maturity without our consent. If we allow a withdrawal prior to maturity, we may impose an early withdrawal penalty. Therefore, you may lose funds if you withdraw from a time deposit before its maturity. See a Personal Banker for details.