Deposit Rates

Effective May 13, 2013

Savings Calculator »

Account Type Minimum Deposit To Open Account Minimum Balance to Obtain Annual Percentage Yield Annual Percentage Yield Interest Rate**
Bonus Checking 100 0 to 1,499.99*
1,500 and over		 0.00
0.07		 0.00
0.07
Classic Plus Checking
 100 0 0.025 0.025
Prestige Checking
 100 0 to 9,999.99*
10,000 to 49,999.99
50,000 to 94,999.99
95,000 and over		 0.01
0.03
0.05
0.07		 0.01
0.03
0.05
0.07
Statement Savings
 0 0 to 49.99*
50 and over		 0.00
0.025		 0.00
0.025
Student Checking 100
 0 to 99.99
100 and over 		0.00
0.02		 0.00
0.02
Insured Money Fund
 0
0		 0 to 2,499.99*
2,500 and over		 0.00
0.04		 0.00
0.04
Elite Money Market
 0
 0 to 2,499.99*
2500 to 24,999.99
25,000 to 49,999.99
50,000 to 74,999.99
75,000 and over 		0
0.10
0.13
0.15
0.17		 0
0.10
0.13
0.15
0.17
Limited Edition Savings
 10,000 0 to 49.99
50 to 9,999.99*
10,000 and over		 0
0.02
0.04		 0
0.02
0.04
Traditional, Roth, SIMPLE or SEP Individual Retirement Account  500
 50* 0.30 0.30
Coverdell Education Savings Account 100 50* 0.30 0.30
Health Savings Account 100 50* 0.30 0.30

* The collected balance in the account each day.

** The IRA interest rate may change monthly. Deposit account and CD interest rates may change
weekly on Mondays. Any fees imposed could reduce earnings. All checking, savings and IRA
products are a variable rate.

Certificates of Deposit
3 Month 1,000
25,000		 1,000
25,000		 0.05
0.10		 0.05
0.10
5 Month 1,000
25,000		 1,000
25,000		 0.07
0.12		 0.07
0.12
6 Month 1,000
25,000		 1,000
25,000		 0.10
0.15		 0.10
0.15
7 Month
 1,000
25,000		 1,000
25,000		 0.13
0.18		 0.13
0.18
9 Month 1,000
25,000		 1,000
25,000		 0.16
0.21		 0.16
0.21
10 Month
 1,000
25,000		 1,000
25,000		 0.19
0.24		 0.19
0.24
12 Month
 1,000
25,000		 1,000
25,000		 0.22
0.27		 0.22
0.27
15 Month 1,000
25,000		 1,000
25,000		 0.25
0.35		 0.25
0.35
18 Month 1,000
25,000		 1,000
25,000		 0.28
0.38		 0.28
0.38
24 Month 1,000
25,000		 1,000
25,000		 0.36
0.46		 0.36
0.46
26 Month Jump Up 1,000
25,000		 1,000
25,000		 0.33
0.43		 0.33
0.43
30 Month 1,000
25,000		 1,000
25,000		 0.34
0.44		 0.34
0.44
36 Month 1,000
25,000		 1,000
25,000		 0.35
0.45		 0.35
0.45
48 Month 1,000
25,000		 1,000
25,000		 0.66
0.76		 0.66
0.76
60 Month 1,000
25,000		 1,000
25,000		 1.00
1.10		 1.00
1.10

NOTE: We impose a penalty for early withdrawal. Any fees imposed could reduce earnings.

Canadian foreign exchange rate 98.12% - 2 year Treasury, 5/16/2013   0.230%

NOTE: We pay the stated interest rate on the entire balance, depending on what tier the balance falls.

CD penalties for early withdrawal

Term Penalty
Up to 6 months Equal to Term
7 to 12 months 6 months interest
15 to 24 months 12 months interest
Over 24 months 18 months interest