Online Banking Login Security Statement

Rates

Effective dates: August 27, 2014 to September 2, 2014

Certificate of Deposit Accounts

Account Type Annual Percentage
Yield
Interest
Rate
Minimum Balance
To Obtain APY
Penalty
60 MO CD [ * ] 0.90 0.90 $5,000.00 Loss of 6 Months Simple Interest
  0.80 0.80 $500.00 Loss of 6 Months Simple Interest
48-59 MO CD [ * ] 0.70 0.70 $5,000.00 Loss of 6 Months Simple Interest
  0.65 0.65 $500.00 Loss of 6 Months Simple Interest
36-47 MO CD [ * ] 0.50 0.50 $5,000.00 Loss of 6 Months Simple Interest
  0.45 0.45 $500.00 Loss of 6 Months Simple Interest
24-35 MO CD [ * ] 0.37 0.37 $5,000.00 Loss of 6 Months Simple Interest
  0.35 0.35 $500.00 Loss of 6 Months Simple Interest
18-23 MO CD [ * ] 0.32 0.32 $5,000.00 Loss of 6 Months Simple Interest
  0.30 0.30 $500.00 Loss of 6 Months Simple Interest
12-17 MO CD [ * ] 0.20 0.20 $5,000.00 Loss of 3 Months Simple Interest
  0.15 0.15 $500.00 Loss of 3 Months Simple Interest
6-11 MO [ * , 1 ] 0.12 0.12 $5,000.00 Loss of 3 Months Simple Interest
  0.10 0.10 $500.00 Loss of 3 Months Simple Interest
3-5 MO CD [ * , 1 ] 0.07 0.07 $5,000.00 Loss of 3 months Simple Interest
  0.05 0.05 $500.00 Loss of 3 months Simple Interest

Golden Year CD

60 MO
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 [ * , 2 ] 0.70 0.70 $1,000.00 Loss of 6 Months Simple Interest
36 MONTH [ * , 2 ] 0.45 0.45 $1,000.00 Loss of 6 Months Simple Interest

TWO OPTIONAL RATE INCREASES ARE AVAILABLE FOR THE 60 MONTH PEOPLES CHOICE. ONE OPTIONAL RATE INCREASE IS AVAILABLE FOR THE 36 MONTH PEOPLES CHOICE

Savings Accounts

ACCOUNT TYPE APY INT. RATE MIN. BAL. TO
OBTAIN APY
MIN. BAL. TO
OPEN
MMDA PLUS [ * , 2 ] 0.15 0.15 $25,000.00 $2,500.00
  0.15 0.15 $10,000.00 --$24,999.99 $2,500.00
  0.10 0.10 $2,500.00-$9,999.99 $2,500.00
  0.10 0.10 $.01 - 2,499.99 $2,500.00
MMDA [ * , 2 ] 0.10 0.10 $l,000.00  $1,000.00
  0.05 0.05 $.01 - $999.99 $1,000.00
REG. SAVINGS [ * , 2 ] 0.10 0.10 $0.01  $50.00
SUPER NOW [ * * , 2 ] 0.10 0.10 $2,500.00 $50.00
  0.05 0.05 $.01 - $2,499.99 $50.00
NOW [ * , 2 ] 0.05 0.05 $1,000.00  $50.00
  0.03 0.03 $.01 - $999.99 $50.00

* Compounded Daily ** Compounded Monthly
(1)Annual percentage yield based on principal balance plus accumulated interest renewed at the same rate.
(2)The interest rate may change on these accounts after opening and fees may reduce the earnings on the account.
CERTIFICATE OF DEPOSIT:  Interest may be paid to customer monthly with a deposit of $10,000 or more on Certificate of Deposit. Interest may be paid to customer quarterly with a deposit of $2,500 or more on Certificate of Deposit. Interest may be paid by check or deposit to customer's account. The Annual Percentage Yield assumes interest will remain on deposit until maturity.
Substantial Penalty for Early Withdraw Rates are Subject To Change Without Notice.

Individual Retirement Accounts

Account Type Annual Percentage
Yield
Interest
Rate
Minimum Balance
To Obtain APY
Penalty
60 MO. IRA CD [ * ] 0.90 0.90 $5,000.00 Loss of 6 Months Simple Interest
  0.80 0.80 $500.00 Loss of 6 Months Simple Interest
48-59 MO IRA CD [ * ] 0.70 0.70 $5,000.00 Loss of 6 Months Simple Interest
  0.65 0.65 $500.00 Loss of 6 Months Simple Interest
36-47 MO IRA CD [ * ] 0.50 0.50 $5,000.00 Loss of 6 Months Simple Interest
  0.45 0.45 $500.00 Loss of 6 Months Simple Interest
24-35 MO IRA CD [ * ] 0.37 0.37 $5,000.00 Loss of 6 Months Simple Interest
  0.35 0.35 $500.00 Loss of 6 Months Simple Interest
18-23 MO IRA CD [ * ] 0.32 0.32 $5,000.00 Loss of 6 Months Simple Interest
  0.30 0.30 $500.00 Loss of 6 Months Simple Interest
12-17 MO IRA CD [ * ] 0.20 0.20 $5,000.00 Loss of 3 Months Simple Interest
  0.15 0.15 $500.00 Loss of 3 Months Simple Interest
6-11 MO IRA CD [ * , 1 ] 0.12 0.12 $5,000.00 Loss of 3 Months Simple Interest
  0.10 0.10 $500.00 Loss of 3 Months Simple Interest
3-5 MO IRA CD [ * , 1 ] 0.07 0.07 $5,000.00 Loss of 3 Months Simple Interest
  0.05 0.05 $500.00 Loss of 3 Months Simple Interest

Peoples Choice IRA CD

60 MONTH 0.70 0.70 $1000.00 Loss of 6 Months Simple Interest
36 MONTH [ * , 2 ] 0.45 0.45 $1000.00 Loss of 6 Months Simple Interest
TWO OPTIONAL RATE INCREASES ARE AVAILABLE FOR THE 60 MONTH PEOPLES CHOICE ONE OPTIONAL RATE INCREASE IS AVAILABLE FOR THE 36 MONTH PEOPLES CHOICE

Peoples Special IRA CD

  12 MO  FLOATING IRA  [ *, 2 ] 0.12 0.12 $50.00 No Penalty
  18 MO FLOATING IRA [ * , 2 ] 0.35 0.35 $100.00    Loss of 6 Months Simple Interest Rate in effect date of withdrawal

* Compounded Daily ** Compounded Monthly
(1)Annual percentage yield based on principal balance plus accumulated interest renewed at the same rate.
(2) The interest rate may change on these accounts after opening and fees may reduce the earnings on the account.  The annual percentage yield assumes interest will remain on deposit until maturity.
Substantial Penalty for Early Withdraw Rates are Subject To Change Without Notice
$100.00 Loss of 6 Months Simple Interest Rate in effect date of withdrawal