Certificates of Deposit

Individual Retirement Accounts (IRA)

 Other Interest Bearing Accounts

*Annual Percentage Yield is based on daily compounding of interest
 All rates are subject to change without notice

Fees may reduce earnings

Penalty may be imposed for early withdrawal by customer

**The account balance requirement must be maintained for the account to earn the stated APY. 

For minimum balance requirements refer to the account disclosure

you receive when opening a new account.

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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a 'noninterest-bearing transaction account'  are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012.  This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.  The term "noninterest-bearing transaction account' includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest.  It also includes Interest on Lawyers Trust Accounts ("IOLTA's").   It does not include other accounts, such as traditional checking accounts or demand deposit accounts that may earn interest, NOW accounts and  money-market deposit accounts.  
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.