Login to Internet Banking

Deposit Rates

The standard FDIC insurance amount of $250,000 per depositor has been made permanent. The FDIC coverage limit applies per depositor, per insured depository institution, for each account ownership category.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

Investment Term	Interest Rate	Annual Percentage Yield	Minimum Deposit to Open
Certificates of Deposit
3 Month CD			$2,500.00
$2,500.00 to $9,999.99	0.20%	0.20%
$10,000.00 to $49,999.99	0.25%	0.25%
$50,000.00 and over	0.30%	0.30%

6 Month CD			$2,500.00
$2,500.00 to $9,999.99	0.25%	0.25%
$10,000.00 to $49,999.99	0.45%	0.45%
$50,000.00 and over	0.55%	0.55%

12 Month (1 Year) CD			$1,000.00
$1,000.00 to $9,999.99	0.55%	0.55%
$10,000.00 to $49,999.99	0.70%	0.70%
$50,000.00 and over	0.85%	0.85%

18 Month CD			$1,000.00
$1,000.00 to $9,999.99	0.60%	0.60%
$10,000.00 to $49,999.99	0.75%	0.75%
$50,000.00 and over	0.85%	0.85%

24 Month (2 Year) CD			$1,000.00
$1,000.00 to $9,999.99	0.70%	0.70%
$10,000.00 to $49,999.99	1.00%	1.00%
$50,000.00 and over	1.10%	1.10%

30 Month CD			$1,000.00
$1,000.00 to $9,999.99	0.80%	0.80%
$10,000.00 to $49,999.99	1.05%	1.05%
$50,000.00 and over	1.20%	1.21%

36 Month CD			$1,000.00
$1,000.00 to $9,999.99	0.90%	0.90%
$10,000.00 to $49,999.99	1.30%	1.31%
$50,000.00 and over	1.40%	1.41%

48 Month (4 Year) CD			$1,000.00
$1,000.00 to $9,999.99	1.00%	1.00%
$10,000.00 to $49,999.99	1.50%	1.51%
$50,000.00 and over	1.75%	1.76%

Individual Retirement Accounts
Variable Rate IRA	0.95%	0.95%	$100.00
Individual Retirement Accounts are variable rate accounts, and interest rates may change after account opening.

Savings Accounts
Money Market Savings			$2,500.00
$2,500 to $9,999.99	0.15%	0.15%
$10,000 to $24,999.99	0.25%	0.25%
$25,000.00 to $99,999.99	0.35%	0.35%
$100,000.00 and up	0.50%	0.50%

Savings Account	0.15%	0.15%	$50.00
Money Market Savings and Savings Accounts are variable rate accounts, and interest rates may change after account opening.

Health Savings Account
Daily Balances of $100.00 and up	2.48%	2.50%	$100.00

Christmas Club Accounts
With Automatic Transfer	2.23%	2.25%	$5.00
Without Automatic Transfer	1.99%	2.00%	$5.00
Christmas Club Accounts mature annually on October 31. Contributions are limited to $50.00 per week or $200.00 per month. No lump sum deposits allowed.

Transaction Accounts
NOW Accounts	0.05%	0.05%
A minimum average balance of $1,000.00 is required for payment of interest on NOW Accounts.

Annual percentage yields are accurate as of January 1, 2012 and are subject to change. Penalties for early withdrawal from time deposit accounts may apply, and fees based on transactions and/or minimum balances could reduce earnings.