Resources> Deposit Rates

1. Certificates of Deposit (CDs)* (Effective: Thursday, May 17, 2012)
Program	Term	APY
CDs	6 months	0.25%
	12 months	0.45%
	18 months	0.50%
	24 months	0.75%
	30 months	0.80%
	36 months	1.25%
	48 months	1.50%
	60 months	1.95%
*Annual Percentage Yield (APY) subject to change. Minimum deposit to open $500. Minimum daily balance to obtain APY is $500. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.

2. Money Market Accounts* (Effective: Thursday, May 17, 2012)
Program	Minimum Daily Balance to earn APY	APY
Inner Circle Money Market Account (Minimum deposit to open $10,000.)	$100,000.00 and above  0.45 % $50,000.00   to  $99,999.99   0.35 % $25,000.00   to  $49,999.99   0.20 % $10,000.00   to  $24,999.99   0.15 % $5,000.00   to  $9,999.99   0.10 % $0.01   to  $4,999.99   0.05 %
Money Market Account (Minimum deposit to open $100.)	$10,000.00 and above  0.15 % $2,500.00   to  $9,999.99   0.10 % $0.01   to  $2,499.99   0.05 %
*Annual Percentage Yield (APY) subject to change at any time. The APY may change after the account is opened. Fees could reduce the earnings on the account. These rates are available for consumer accounts only.

3. Business Money Market Accounts* (Effective: Thursday, May 17, 2012)
Program	Minimum Daily Balance to earn APY	APY
Business Money Market Account (Minimum deposit to open $100.)	$10,000.00 and above  0.20 % $0.01   to  $9,999.99   0.10 %
Business Premium Plus Money Market Account (Minimum deposit to open $10,000.)	$100,000.00 and above  0.55 % $50,000.00   to  $99,999.99   0.35 % $25,000.00   to  $49,999.99   0.20 % $10,000.00   to  $24,999.99   0.15 % $5,000.00   to  $9,999.99   0.10 % $0.01   to  $4,999.99   0.05 %
*Annual Percentage Yield (APY) subject to change at any time. The APY may change after the account is opened. Fees could reduce the earnings on the account. These rates are available for business accounts only.

4. NOW Checking Accounts* (Effective: Thursday, May 17, 2012)
Program	Minimum Daily Balance to earn APY	APY
Direct Checking with Interest	$100.00	0.10%
High Interest Checking	$100,000.00 and above  0.45 % $50,000.00   to  $99,999.99   0.35 % $25,000.00   to  $49,999.99   0.20 % $10,000.00   to  $24,999.99   0.15 % $5,000.00   to  $9,999.99   0.10 % $1,000.00   to  $4,999.99   0.05 % $0.01   to  $999.99   0.00 %
*Annual Percentage Yield (APY) subject to change at any time. The APY may change after the account is opened. Minimum deposit to open $25. Fees could reduce the earnings on the account. These rates are available for consumer accounts only.

Savings Accounts* (Effective: Thursday, May 17, 2012)
Program	APY
Statement Savings	0.10%
Passbook Savings	0.10%
*Annual Percentage Yield (APY) subject to change at any time. The APY may change after the account is opened. Minimum deposit to open $5. Minimum daily balance to obtain APY is $.01. Fees could reduce the earnings on the account. These rates are available for consumer accounts only.