DEPOSIT ACCOUNT RATES

Effective Date: 12/01/2016

Account Type	Annual Percentage Yield
NOW Accounts (Minimum Balance to Open $100; Average Daily Balance to Avoid Monthly Maintenance Fee $1,000)
Personal Interest Checking	.05
Business Interest Checking	.05

Money Market Accounts - Business and Personal (Minimum Balance to Open $100; Average Daily Balance to Avoid Monthly Maintenance Fee $2,500)
Money Market $0 up to $10,000	.05
Money Market $10,000 up to $25,000	.20
Money Market $25,000 up to $50,000	.25
Money Market $50,000 up to $100,000	.30
Money Market $100,000 up to $250,000	.35
Money Market $250,000 up to $500,000	.45
Money Market $500,000 and up	.50
Savings Accounts
Minor Savings (Minimum Balance to Open $10; No minimum balance requirement)	.15
Statement Savings (Minimum Balance to Open $100; Average Daily Balance to Avoid Quarterly Maintenance Fee $300)	.15
Business Savings (Minimum Balance to Open $100; Average Daily Balance to Avoid Quarterly Maintenance Fee $300)	.15
Certificates of Deposit (Minimum Balance to Open $500)
3 months	.25
6 months	.70
12 months	1.13
18 months	1.17
24 months	1.33
36 months	1.48
48 months	1.60
60 months	1.75

Member FDIC

(1) The Annual Percentage Yield (APY) is accurate as of the date shown on this page.

(2)Interest is calculated and compounded daily. For NOW Accounts, Money Market Accounts and Certificates of Deposit interest is credited to your account monthly. For Savings Accounts, interest is credited to your account quarterly. If you close your account before interest is credited, you will not receive the accrued interest.

(3) The minimum balance required to earn the Annual Percentage Yield (APY) is $.01.

(4) At the Bank's discretion, rates and yields are subject to change without notice after the account is opened for NOW, money market, and savings accounts.

(5) Fees may reduce earnings for NOW and Money Market Accounts.

(6) Early Withdrawal Penalty may be imposed for certificates of deposit.