APYs Current as of

Deposit Rates
Account*
Minimum
Opening
Deposit
Minimum Daily
Balance to
Earn APY
Interest
Rate
Annual
Percentage
Yield
Business Checking
$10.00 N/A N/A N/A
Basic Checking
$1.00 N/A N/A N/A
NOW Checking
$10.00 $10.00 .10% .10%
Granite Account
$10.00 $10.00 .10% .10%
Money Market Account
$2,500.00 $2,500.00 or more .50% .50%
Money Market Account
Below $2,500
$10.00 to $2,499.99 .10% .10%
Passbook Savings
$10.00 $10.00 .50% .50%
Statement Savings
$10.00 $10.00 .50% .50%
IRA Passbook Savings
$10.00 $10.00 .50% .50%
Christmas Club
$1.00 $10.00 .50% .50%

*Interest rates are variable and may change after the account is opened. Fees could reduce earnings
on these accounts.

Certificates of Deposit and IRA Certificates of Deposit**
Account
Minimum
Opening
Deposit
Minimum
Balance to
Earn APY
Interest
Rate
Annual
Percentage
Yield
3 Month
$1,000.00 $1,000.00 .500% .500%
182 Day
$1,000.00 $1,000.00 .750% .750%
9 Month
$1,000.00 $1,000.00 .750% .750%
1 Year
$1,000.00 $1,000.00 1.000% 1.000%
7 Month
$1,000.00 $1,000.00 Not Available Not Available
15 Month
$1,000.00 $1,000.00 Not Available Not Available
1 ½ Year
$1,000.00 $1,000.00 1.240% 1.250%
2 Year
$1,000.00 $1,000.00 1.490% 1.500%
2 ½ Year
$1,000.00 $1,000.00 1.980% 2.000%
3 Year
$1,000.00 $1,000.00 2.230% 2.250%
4 Year
$1,000.00 $1,000.00 2.470% 2.500%
5 Year
$1,000.00 $1,000.00 2.720% 2.750%

** Penalties for early withdrawal may apply.
Fees could reduce earnings on these accounts.

Date of last revision: May 19, 2010



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