Rates

Rates valid as of January 23, 2012

Checking AccountsMinimum Opening DepositInterest RateAPY*
First Reward Checking
Balance $0.01 - $25,000.00$100.002.00%2.00%
Balance over $25,000.01$100.000.50%0.50%
Non-qualifying rate$100.000.05%0.05%
NOW Account
Balance $1,500.00 - $4,999.99$1,500.000.10%0.10%
Balance $5,000.00 - $24,999.99$1,500.000.20%0.20%
Balance over $25,000.00$1,500.000.25%0.25%
J.O.Y. Checking - balance over $1,5000$100.000.15%0.15%
J.O.Y. Checking Plus$100.000.15%0.15%

APY* = Annual Percentage Yield.

Savings AccountsMinimum Opening DepositInterest RateAPY*
Regular Savings$100.000.15%0.15%
Kids Club$25.000.15%0.15%
Christmas Club$10.000.15%0.15%
Vacation Club$25.000.25%0.25%

APY* = Annual Percentage Yield.

Certificates of DepositInterest RateAPY*
3 Month term0.25%0.25%
6 Month term0.35%0.35%
12 Month term0.55%0.55%
15 Month term0.55%0.55%
18 Month term0.75%0.75%
24 Month term0.80%0.80%
30 Month term0.80%0.80%
36 Month term1.10%1.10%
48 Month term1.15%1.15%
60 Month term1.34%1.35%

APY* = Annual Percentage Yield. Minimum opening deposit $500.

Individual Retirement AccountsInterest RateAPY*
Variable / TDOA0.25%0.25%
3 Month IRA0.25%0.25%
6 Month IRA0.35%0.35%
12 Month IRA0.55%0.55%
24 Month IRA0.80%0.80%
36 Month IRA1.10%1.10%
48 Month IRA1.15%1.15%
60 Month IRA1.34%1.35%

APY* = Annual Percentage Yield. Minimum opening deposit $10 TDOA and $500 Fixed.

Money Market AccountsInterest RateAPY*
Under $4,999.990.15%0.15%
$5,000.00 - $24,999.990.25%0.25%
$25,000.00 - $249,999.990.50%0.50%
$250,000.00 - $499,999.990.65%0.65%
Over $500,000.000.75%0.75%

APY* = Annual Percentage Yield. Minimum opening deposit $1,500.