Online Banking Login Security Statement

Rates

Effective dates: December 07, 2016 to December 13, 2016

ACCOUNT TYPE ANNUAL PERCENTAGE YIELD (APY)* INT. RATE MIN. BAL. TO
OBTAIN APY
MIN. BAL. TO
OPEN
SUPER NOW 0.10 (1)            0.10 $2,500.00 $50.00
  0.05 (1)            0.05 $.01 - $2,499.99 $50.00
NOW 0.05 (1)           0.05 $1,000.00  $50.00
  0.03 (1)           0.03 $.01 - $999.99 $50.00
REGULAR SAVINGS 0.10 (1,2,3)     0.10 $0.01  $50.00
MMDA 0.10 (1,3,4)     0.10 $1,000.00  $1,000.00
  0.05 (1,3,4)     0.05 $.01 - $999.99 $1,000.00
MMDA PLUS 0.12 (1,3,5)     0.12 $25,000.00 $2,500.00
  0.12 (1,3,5)     0.12 $10,000.00 --$24,999.99 $2,500.00
  0.10 (1,3,5)     0.10 $2,500.00-$9,999.99 $2,500.00
  0.10 (1,3,5)     0.10 $.01 - 2,499.99 $2,500.00

Certificate of Deposit Accounts

Account Type Annual Percentage
Yield (APY)*
Interest
Rate
Minimum Balance
To Obtain APY
Penalty
60 MO CD  0.90 (7)            0.90 $5,000.00 Loss of 6 Months Simple Interest
  0.80 (7)            0.80 $500.00 Loss of 6 Months Simple Interest
48-59 MO CD 0.70 (7)            0.70 $5,000.00 Loss of 6 Months Simple Interest
  0.65 (7)            0.65 $500.00 Loss of 6 Months Simple Interest
36-47 MO CD 0.50 (7)            0.50 $5,000.00 Loss of 6 Months Simple Interest
  0.45 (7)            0.45 $500.00 Loss of 6 Months Simple Interest
24-35 MO CD 0.37 (7)            0.37 $5,000.00 Loss of 6 Months Simple Interest
  0.35 (7)            0.35 $500.00 Loss of 6 Months Simple Interest
18-23 MO CD 0.32 (7)            0.32 $5,000.00 Loss of 6 Months Simple Interest
  0.30 (7)            0.30 $500.00 Loss of 6 Months Simple Interest
12-17 MO CD 0.20 (7)            0.20 $5,000.00 Loss of 3 Months Simple Interest
  0.15 (7)            0.15 $500.00 Loss of 3 Months Simple Interest
6-11 MO CD 0.12 (7)           0.12 $5,000.00 Loss of 3 Months Simple Interest
  0.10 (7)           0.10 $500.00 Loss of 3 Months Simple Interest
3-5 MO CD 0.07 (7)           0.07 $5,000.00 Loss of 3 months Simple Interest
  0.05 (7)           0.05 $500.00 Loss of 3 months Simple Interest

Golden Year CD

60 MONTH CD
Must be 62 Years of Age
 0.65                0.65 5,000.00 No Penalty for one  withdrawal.  If further withdrawals are taken a penalty of 6 months simple interest will be imposed.

Peoples Choice CD

60 MONTH CD  - Two optional rate increases available 0.70               0.70 $1,000.00 Loss of 6 Months Simple Interest
Based on the rate in effect date of withdrawal
36 MONTH CD - One optional rate
increase available
0.45              0.45 $1,000.00 Loss of 6 Months Simple Interest
Based on the rate in effect date of withdrawal

Individual Retirement Accounts

Account Type Annual Percentage
Yield (APY)*
Interest
Rate
Minimum Balance
To Obtain APY
Penalty
60 MO. IRA CD 0.90 (7)            0.90 $5,000.00 Loss of 6 Months Simple Interest
  0.80 (7)            0.80 $500.00 Loss of 6 Months Simple Interest
48-59 MO IRA CD 0.70 (7)            0.70 $5,000.00 Loss of 6 Months Simple Interest
  0.65 (7)            0.65 $500.00 Loss of 6 Months Simple Interest
36-47 MO IRA CD 0.50 (7)            0.50 $5,000.00 Loss of 6 Months Simple Interest
  0.45 (7)           0.45 $500.00 Loss of 6 Months Simple Interest
24-35 MO IRA CD 0.37 (7)            0.37 $5,000.00 Loss of 6 Months Simple Interest
  0.35 (7)            0.35 $500.00 Loss of 6 Months Simple Interest
18-23 MO IRA CD 0.32 (7)            0.32 $5,000.00 Loss of 6 Months Simple Interest
  0.30 (7)            0.30 $500.00 Loss of 6 Months Simple Interest
12-17 MO IRA CD 0.20 (7)            0.20 $5,000.00 Loss of 3 Months Simple Interest
  0.15 (7)            0.15 $500.00 Loss of 3 Months Simple Interest
6-11 MO IRA CD 0.12 (7)           0.12 $5,000.00 Loss of 3 Months Simple Interest
  0.10 (7)           0.10 $500.00 Loss of 3 Months Simple Interest
3-5 MO IRA CD 0.07 (7)            0.07 $5,000.00 Loss of 3 Months Simple Interest
  0.05 (7)            0.05 $500.00 Loss of 3 Months Simple Interest

Peoples Choice IRA CD

60 MONTH - Two optional rate increases available 0.70                  0.70 $1,000.00 Loss of 6 Months Simple Interest
Based on the rate in effect date of withdrawal
36 MONTH - One optional rate increase available 0.45                  0.45 $1,000.00 Loss of 6 Months Simple Interest
Based on the rate in effect date of withdrawal
  18 MONTH  FLOATING IRA  0.35 (6,7)          0.35 $100.00  Loss of 6 Months Simple Interest
Based on the rate in effect date of withdrawal
  12 MONTH  FLOATING IRA  0.12

(6,7)          0.12

$50.00 No Penalty

* The annual percentage yield assumes interest will remain on deposit until maturity.  A withdrawal will reduce earnings.

INTEREST IS COMPOUNDED DAILY ON ALL ACCOUNT TYPES

(1)   The interest rate may change on these accounts after opening and fees may reduce the earnings on the account.

(2)    A $2.00 monthly service charge will be assessed if minimum balance is not maintained.  A $1.00 fee will be assessed for each withdrawal in excess of 6 per statement cycle.

(3)    You may make no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card and similar transactions from your account per month or          statement cycle.

(4)    A $5.00 monthly service charge will be assessed if minimum balance is not maintained.  A $3.00 fee will be assessed for each withdrawal in excess of 6 per statement cycle.

(5)    A $7.00 monthly service charge will be assessed if minimum balance is not maintained.  A $3.00 fee will be assessed for each withdrawal in excess of 6 per statement cycle.

(6)    The interest rate may change on these accounts after opening.

(7)    Auto renew