APY means Annual Percentage Yield.  All APY calculations assume interest remains on deposit.  Account fees may reduce earnings. Accrued interest will be paid upon early withdrawal.  Rates may change after the account is opened.

Account	Balance	Interest Rate	APY
Regular Savings - Minimum Deposit $100.00
	$0 - $5,000	0.50%	0.50%
	Over $5,000	0.60%	0.60%
Christmas Club Savings - Minimum Deposit $5.00 Subject to early withdrawal penalties
	$0 - $5,000	1.05%	1.05%
	Over $5,000	1.15%	1.15%
Bright Future Savings - Minimum Deposit $25.00 Custodial account
	$0 - $2,500	1.50%	1.51%
	Over $2,500	2.60%	2.63%
IRA Savings - Minimum deposit to open is $100.oo Early withdrawal penalties & rules on deposits and withdrawals are imposed on the IRA under the Internal Revenue Code.
	All balances	1.90%	1.92%
Health Savings Account - Minimum Deposit to open is $100.00 Rules on deposits and withdrawals are imposed on the HSA under the Internal Revenue Code.
	All balances	2.25%	2.27%
Checking with Interest - Minimum Deposit $500.00
	$0 - $2,499	0.30%	0.30%
	$2,500 - $9,999	0.50%	0.48%
	Over $10,000	0.80%	0.80%
Money Market Plus - Minimum Deposit $2,500.00
	$0 - $4,999	1.10%	1.11%
	$5000-     $9,999	1.30%	1.31%
	$10,000 -         $24,999	1.70%	1.71%
	$25,000-      $49,999	1.90%	1.92%
	$50,000 +	2.10%	2.12%

Interest is paid on the daily balance at the rates shown above.
Fees may reduce the annual percentage yield.  Refer to the account disclosure for details.