Rates

Services: Rates

COMMUNITY BANK INTEREST RATES
AND ANNUAL PERCENTAGE YIELDS (APY)

Interest Rates and APY's are effective as of July 12, 2010 and are subject to change.

● Member FDIC
● CD's and IRA's are subject to early withdrawal penalties
● CD and IRA interest rates are fixed, unless noted as a variable rate
● The Variable IRA interest rate and APY may change; and at the Bank's discretion, we may change the interest rate and APY at any time
● Checking, Savings, Hi-Fi, IMMA and HSA account interest rates may change
● Checking, Savings, Hi-Fi and IMMA account fees may reduce earnings
● See disclosure for minimum balance requirements and early withdrawal penalties

ACCOUNT TYPE	TERM		INTEREST RATE	APY QUARTERLY	MINIMUM DEPOSIT TO OPEN
*CERTIFICATE OF DEPOSIT ACCOUNT (CD)*
	30 Day		0.25%	0.25%(at maturity)	$500
	3 Months		0.45%	0.45%	$500
	6 Months		0.75%	0.75%	$500
	12 Months		1.00%	1.00%	$500
CD and IRA Special	14 Months		1.10%	1.11%	$500
	18 Months		1.15%	1.16%	$500
	24 Months		1.20%	1.21%	$500
CD and IRA Special	27 Months		1.99%	2.01%	$500
	30 Months		1.45%	1.46%	$500
	36 Months		2.15%	2.17%	$500
CD and IRA Special	39 Months		2.38%	2.40%	$500
	48 Months		2.65%	2.68%	$500
	60 Months		2.85%	2.88%	$500
*INDIVIDUAL RETIREMENT ACCOUNT (IRA)*
IRA Golden Variable	N/A		1.20%	1.21%	$ 50
	12 Months		1.00%	1.00%	$500
	18 Months		1.20%	1.21%	$500
	24 Months		1.20%	1.21%	$500
	36 Months		2.15%	2.17%	$500
	48 Months		2.65%	2.68%	$500
	60 Months		2.85%	2.88%	$500
*HEALTH SAVINGS ACCOUNT (HSA)*
	N/A		1.20%	1.21%	$ 50

CHECKING, SAVINGS, HI-FI INVESTMENT MONEY MARKET (HI-FI) AND INSURED MONEY MARKET ACCOUNTS (IMMA)
ACCOUNT TYPE	MINIMUM BALANCE TO OBTAIN APY		INTEREST RATE	APY	MINIMUM DEPOSIT TO OPEN
NOW Checking	$.01		0.25%	0.25%	$ 1,000
Super NOW Checking	$.01		0.25%	0.25%	$ 1,000
Savings	$ 50		0.25%	0.25%	$ 50
Vacation Club	$.01		0.25%	0.25%	No Minimum
Christmas Savings	$.01		0.25%	0.25%	No Minimum

	TIER		INTEREST RATE	APY	MINIMUM DEPOSIT TO OPEN
HI-FI	$ 00	$ 999.99	0.25%	0.25%	$ 1,000
	$ 1,000	and over	0.30%	0.30%	$ 1,000
IMMA	$ 00	$ 999.99	0.25%	0.25%	$ 1,000
	$ 1,000	$ 9,999.99	0.30%	0.30%	$ 1,000
	$ 10,000	$ 24,999.99	0.35%	0.35%	$ 1,000
	$ 25,000	$ 49,999.99	0.40%	0.40%	$ 1,000
	$ 50,000	$ 99,999.99	0.45%	0.45%	$ 1,000
	$100,000	$499,999.99	0.50%	0.50%	$ 1,000
	$500,000	and over	0.70%	0.70%	$ 1,000
21st Century IMMA	$ 00	$24,999.99	0.35%	0.35%	$25,000
	$ 25,000	$74,999.99	0.45%	0.45%	$25,000
	$ 75,000	and over	0.50%	0.50%	$25,000

CD Penalty (on amount withdrawn early): Term: under 1 year = 3 months interest Term: 1 to 2 years = 6 months interest Term: Over 2 years = 12 months interest

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COMMUNITY BANK INTEREST RATES AND ANNUAL PERCENTAGE YIELDS (APY)

COMMUNITY BANK INTEREST RATES
AND ANNUAL PERCENTAGE YIELDS (APY)