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CERTIFICATE OF DEPOSIT Min Deposit to Open Account Min Balance to Obtain APY Interest Rate APY
91 Day Certificate*++ $500 $500** 0.25% 0.250%
182 Day Certificate*++ $500 $500** 0.400% 0.400%
1 Year Certificate* $500 $500** 0.75% 0.75%
2 Year Certificate*++ $500 $500** .90% .90%
3 Year Certificate*++ $500 $500** 1.10% 1.11%
4 Year Certificate*++ $500 $500** 1.25% 1.26%
5 Year Certificate*++ $500 $500** 1.50% 1.51%


CHECKING Min Deposit to Open Account Min Balance to Obtain APY Rate APY
Association Checking++ $100 $0 0.10% 0.10%
Business Interest Checking++ $100 $0 0.15% 0.15%


Money Market Min Deposit to Open Account Min Balance to Obtain APY Rate APY
Business Money Market++ $1,500 $0 0.50% 0.50%
Tier 2 $25,000.00 0.70% 0.70%
Tier 3 $50,000.00 0.85% 0.85%
Tier 4 $75,000.00 1.00% 1.01%


SAVINGS Min Deposit to Open Account Min Balance to Obtain APY Rate APY
Business Savings++ $100 $0 .99% .99%
* A penalty may be imposed for early withdrawal
** Daily balance. The amount of principal in the account each day.
++ The interest rate and annual percentage yiels may change after account opening
Fees could reduce the earnings on the account
For current information call (785)-761-2265
Interest Rates and Annual Percentage Yields are subject to change. Rates & Yields are current as of 10/20/11

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