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Savings Rates Dividend Rates Description Term APR APY Savings $5.00 minimum 0.100 0.100 Money Manager $5000.00 to 24999.99 0.100 0.100 Money Manager $25000.00 to 49999.99 0.200 0.200 Money Manager $50000.00 and up 0.300 0.300 IRA Savings 0.250 0.250 Checking $500 minimum 0.050 0.050 Certificate Regular and IRA 6 month 0.150 0.150 Certificate Regular and IRA 12 month 0.300 0.300 Certificate Regular and IRA 24 month 0.550 0.550 Certificate Regular and IRA 36 month 0.900 0.900 Regular Savings: $5.00 to open the account, must maintain a $50.00 minimum daily balance or a $5.00 per month minimum balance fee is charged. Checking: $50.00 to open the account, must maintain a minimum daily balance of $500.00 to obtain the disclosed annual percentage yield. Money Manager: $5000.00 to open the account, minimum to earn dividends is $5,000.00. Share Certificates: Early withdrawal penalties on share certificates; three months interest or all interest since opening, whichever is less. Dividend Rates and Annual Percentage Yield shown are subject to change. Penalty for early withdrawal on share certificates. Fees may reduce earnings.  When will my savings goal be met?

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