Rates

Rates valid as of March 20, 2013

Checking AccountsMinimum Opening DepositInterest RateAPY*
First Reward Checking
Balance $0.01 - $20,000.00$100.001.00%1.00%
Balance over $20,000.01$100.000.25%0.25%
Non-qualifying rate$100.000.05%0.05%
NOW Account
Balance $1,500.00 - $4,999.99$1,500.000.05%0.05%
Balance $5,000.00 - $24,999.99$1,500.000.05%0.05%
Balance over $25,000.00$1,500.000.10%0.10%
J.O.Y. Checking - balance over $1,5000$100.000.05%0.05%
J.O.Y. Checking Plus$100.000.05%0.05%

APY* = Annual Percentage Yield.

Savings AccountsMinimum Opening DepositInterest RateAPY*
Regular Savings$100.000.05%0.05%
Kids Club$25.000.05%0.05%
Christmas Club$10.000.05%0.05%
Vacation Club$25.000.05%0.05%

APY* = Annual Percentage Yield.

Certificates of DepositInterest RateAPY*
3 Month term0.10%0.10%
6 Month term0.15%0.15%
12 Month term0.40%0.40%
15 Month term0.40%0.40%
18 Month term0.45%0.45%
24 Month term0.55%0.55%
30 Month term0.60%0.60%
36 Month term0.75%0.75%
48 Month term0.85%0.85%
60 Month term1.00%1.00%

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

Individual Retirement AccountsInterest RateAPY*
Variable / TDOA0.10%0.10%
3 Month IRA0.10%0.10%
6 Month IRA0.15%0.15%
12 Month IRA0.40%0.40%
24 Month IRA0.55%0.55%
36 Month IRA0.75%0.75%
48 Month IRA0.85%0.85%
60 Month IRA1.00%1.00%

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

Money Market AccountsInterest RateAPY*
Under $4,999.990.05%0.05%
$5,000.00 - $24,999.990.10%0.10%
$25,000.00 - $249,999.990.25%0.25%
$250,000.00 - $499,999.990.30%0.30%
Over $500,000.000.35%0.35%

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