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Account Addendum/Schedule of Fees

CD and IRA Rates

FDIC's Electronic Deposit Insurance Estimator - EDIE
Rates effective as of January 31, 2012

 Certificates of Deposit
Term Minimum Balance APY*
31 Days $2,500 0.10%*
91 Days $2,500 0.15%*
6 Months $2,500 0.35%*
1 Year $1,000 0.50%#
15 Month $5,000 0.60%#
2 Years $1,000 0.70%#
4 Years $1,000 1.20%#
6 Years $1,000 1.85%#
     
IRAs
Term Minimum Balance APY*
18 Months $100 0.50%
     
All of the above Certificates of Deposit are available in IRAs
 
* The annual percentage yield (APY) assumes that the initial deposit and interest is rolled over for a year's time.  A withdrawal will reduce earnings.

# The annual percentage yield (APY) assumes that the interest remains on deposit until maturity.  A withdrawal will reduce earnings.

A penalty may exist for early withdrawal of initial deposit on all Certificates of Deposit accounts and IRAs.