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Subject to change
Effective Date: 12-2-04
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DESCRIPTION
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COMPOUNDING
|
RATE
|
APY.
|
MIN. BALANCE
to obtain APY
|
| SAVINGS ACCT. |
SEMI ANNUAL |
1.00 |
1.00 |
50 |
| IRA 18 Mo. |
SEMI ANNUAL |
1.99 |
2.00 |
n/a |
| NOW ACCOUNT |
MONTHLY |
.35 |
.35 |
1,000 |
| 30-90 DAY CD |
AT MATURITY |
.70 |
.70 |
2,500 |
| 91-181 DAY CD |
AT MATURITY |
1.15 |
1.15 |
1,000 |
| 182 DAY CD |
AT MATURITY |
1.49 |
1.50 |
1,000 |
| 15 MONTH CD |
QUARTERLY |
2.72 |
2.75 |
5,000 |
| 1 YEAR CD |
SEMI ANNUAL |
1.74 |
1.75 |
1,000 |
| 18 MONTH CD |
SEMI ANNUAL |
1.99 |
2.00 |
1,000 |
| 30 MONTH CD |
SEMI ANNUAL |
2.19 |
2.20 |
1,000 |
| 3 YEAR STEP UP CD |
SEMI ANNUAL |
3.22 |
3.25 |
2,500 |
| 5 YEAR CD |
SEMI ANNUAL |
3.72 |
3.75 |
1,000 |
| CHRISTMAS CLUB |
N/A |
1.50 |
1.50 |
- |
The rate shown for accounts may change after the account is opened. The annual percentage yield (APY) assumes funds will remain on deposit for a full period until maturity. Some of the accounts listed may require a minimum balance to open, a minimum daily balance, and/or impose a penalty for early withdrawal. Fees and other conditions could reduce earnings. If compounding does not apply, the APY will be the same as the interest rate.
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