Current Rates

Savings & Checking Accounts

Saving & Checking Accounts Rates
Column has the account name, other columns show deposit to open, interest and annual rates in percentage.

Savings & Checking Accounts	Minimum Deposit to Open	Interest Rate	Annual Percentage Yield
Local Choice Savings	$100	.05%	.05%
Holiday Savings	$5	.05%	.05%
Business Savings	$100	.05%	.05%
CA$H Kids Club	$5	.05%	.05%
Smart Start Savings	$5	.05%	.05%
UTMA	$5	.05%	.05%
Local Choice Interest	$25
	*Below $2,500	.05%	.05%
	*$2,500 to $9,999	.05%	.05%
	*$10,000 to $24,999	.05%	.05%
	*$25,000 to $49,999	.05%	.05%
	*$50,000 to $99,999	.15%	.15%
	*$100,000 and over	.15%	.15%
Business Money Market	$2,500
	*Below $2,500	.05%	.05%
	*$2,500 to $9,999	.05%	.05%
	*$10,000 to $24,999	.05%	.05%
	*$25,000 to $49,999	.05%	.05%
	*$50,000 to $99,999	.15%	.15%
	*$100,000 and over	.15%	.15%
Business Interest Checking	$1,000
	*$10,000	.05%	.05%
	*Below $10,000	.05%	.05%
HSA Checking	$100
	*Below $2,500	.05%	.05%
	*$2,500 to 9,999	.10%	.10%
	*$10,000 to 24,999	.10%	.10%
	*$25,000 and over	.15%	.15%

*Minimum daily balance to obtain annual percentage yield.
Savings and Checking rates shown above are variable rates and may change after account opening. 
The rates and annual percentage yields may change as often as daily; fees may reduce earnings.

Certificates of Deposit(CD)

Certificates of Deposit Rates
Column has the term, other columns show deposit to open, interest, annual rates in percentage and penalties.

Term	Interest Rate	†APY	††Minimum Balance to Open and to Obtain APY†	†††Penalty
4 months*	4.17%	4.25%	$500.00	30 Days
4 months**	4.41%	4.50%	$500.00	30 Days
6 months	3.70%	3.75%	$500.00	90 Days
12 months	3.21%	3.25%	$500.00	120 Days
18 months	2.97%	3.00%	$500.00	120 Days
24 months	2.48%	2.50%	$500.00	120 Days
36 months	1.99%	2.00%	$500.00	180 Days
48 months	1.49%	1.50%	$500.00	180 Days
60 months	1.49%	1.50%	$500.00	180 Days

Rates are fixed for the term of the CDs. The annual percentage yield assumes interest remains on deposit until maturity, a withdrawal will reduce earnings.

†Annual Percentage Yield.
††The daily balance is the amount of principal in the account each day. Early withdrawal penalties apply.
†††PENALTY EXCEPTIONS

*Promotional product
**Promotional product – existing account relationship or new checking account.

We will consent to a request for early withdrawal without imposing a penalty if one or more of the following conditions are met:

1. The death of any account holder.
   
2. An account holder is declared legally incompetent by a court or other administrative body of competent jurisdiction.

Individual Retirement Accounts (IRA)
Simplified Employee Pension Accounts (SEP)

Individual Retirement Accounts Rates
Column has the account name or term, other columns show deposit to open, interest, annual rates in percentage and penalties.

Savings Account	Interest Rate	*APY	Minimum Initial Deposit	Minimum Subsequent Deposits
IRA Savings Account	.05%	.05%	$ 100.00	$50.00
Term Accounts	Interest Rate	*APY	**Minimum Initial Deposit	***Penalty
32 thru 91 Days	.10%	.10%	$ 2,000.00	30 Days
92 thru 182 Days	.10%	.10%	$ 2,000.00	30 Days
183 thru 364 Days	.15%	.15%	$ 2,000.00	90 Days
12 to 23 Months	.15%	.15%	$ 1,000.00	120 Days
24 to 35 Months	.30%	.30%	$ 1,000.00	120 Days
36 to 59 Months	.35%	.35%	$ 500.00	180 Days
60 Months Maximum	.60%	.60%	$ 500.00	180 Days
Term Accounts	Interest Rate	*APY	**Minimum Bal. Required	***Penalty
32 thru 91 Days	.10%	.10%	$ 10,000.00	30 Days
92 thru 182 Days	.15%	.15%	$ 10,000.00	30 Days
183 thru 364 Days	.20%	.20%	$ 10,000.00	90 Days
12 to 23 Months	.30%	.30%	$ 10,000.00	120 Days
24 to 35 Months	.45%	.45%	$ 10,000.00	120 Days
36 to 59 Months	.50%	.50%	$ 10,000.00	180 Days
60 Months Maximum	.75%	.75%	$ 10,000.00	180 Days

The IRA Savings Account shown above has a variable rate and may change after account opening.

Rates are fixed for the term of the IRA Term Accounts. The annual percentage yield assumes interest remains on deposit until maturity, a withdrawal will reduce earnings.
*Annual Percentage Yield
**Minimum balance to open account and to obtain Annual Percentage Yield.
***PENALTY EXCEPTIONS

We will consent to a request for early withdrawal from your retirement account without imposing a penalty if one or more of the following conditions are met:

1. The death of any account holder.
2. An account holder is declared legally incompetent by a court or other administrative body of competent jurisdiction.
3. The account owner is 59-1/2 years of age.
4. The account owner is disabled at the time of the request.