*Tiered Rates are subject to change at any time at the banks discretion
**Paper statements $5.00
***Federal Regulations places monthly limits on the amount and type of transaction you may make.

Simply Free Checking: Interest rate and annual percentage yield may change. Average monthly collected balance below $5,000, interest rate is 0.00%; $5,000 to $45,000, interest rate is 0.65% (interest paid on the entire balance); over $45,000, interest rate is 0.15% (portion $45,000 and below earns 0.65%). Interest rate may change. Interest compounded daily and credited monthly. Close your account before interest is credited, you will not receive the accrued interest if total is less than $1.00. Close the account within 90 days of opening, you will be charged $10.00. Daily balance method used to calculate interest. For noncash deposits, interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (such as checks). E-statements provided at no charge. Paper statements available for $5.00 per cycle. ATM fees reimbursed and deposited into your account at end of cycle. ATM fees of $4.99 or less reimbursed up to maximum of $4.99 per individual transaction. ATM fees of $5.00 or higher reimbursed if appropriate ATM receipt is presented to bank representative. Close your account, you will not receive reimbursements that have not yet been credited.

Personal Money Market: Interest rate and annual percentage yield may change. Average monthly collected balance is $1,000 to $5,000, the interest rate is 0.02% (interest paid on the entire balance); Average monthly collected balance is $5,000.01 to $25,000, interest rate is 0.03% (interest paid on the entire balance); Average monthly collected balance is $25,000.01 and to $50,000, interest is 0.05% (interest paid on the entire balance); Average monthly collected balance is $50,000.01 to $75,000, interest is 0.07% (interest paid on the entire balance); Average monthly collected balance is above $75,000, interest is 0.07% (interest paid on the entire balance). Interest rate may change. Interest compounded daily and credited monthly. Close your account before interest is credited, you will not receive the accrued interest if total is less than $1.00. Close the account within 90 days of opening, you will be charged $10.00. Daily balance method used to calculate interest. For noncash deposits, interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (such as checks). A service charge fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $10,000.00 any day of the cycle. Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, or similar order to third parties are limited to six per monthly statement cycle. The first six debits from your Money Market account per monthly statement cycle are free; thereafter, $5.00 per debit. E-statements provided at no charge. Paper statements available for $5.00 per cycle.

Simply Saver: Interest rate and annual percentage yield may change. Average monthly collected balance is $0 to $5,000, the interest rate is 0.02%. Average monthly collected balance is $5,000.01 to $100,000, the interest rate is 0.35%. Average monthly collected balance is $100,000.01 and above, the interest rate is 0.15%. The portion $100,000 and below continues to earn 0.35%. Interest rate may change. Interest compounded daily and credited monthly. Close your account before interest is credited, you will not receive the accrued interest if total is less than $1.00. Close the account within 90 days of opening, you will be charged $10.00. Daily balance method used to calculate interest. For noncash deposits, interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (such as checks).  Transfers from a Simply Saver account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per monthly statement cycle with no transfers by check, draft, debit card, or similar order to third parties. Simply Saver is free for minors and has no required minimum balance. $5.00 will be charged each month if the balance in the account falls below $250.00 any day of the month. The first six debits from your Simply Saver account per monthly statement cycle are free; thereafter, $5.00 per debit. E-statements are provided at no charge. Paper statements are available quarterly at a charge of $5.00 per statement.

Christmas Club: Rate Information – Your interest rate and annual percentage yield may change. Frequency of rate changes – We may change the interest rate on your account at any time. Determination of rate – At our discretion, we may change the interest rate on your account. Compounding and crediting frequency – Interest will be compounded every month. Interest will be credited to your account every month. Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest. If you close your account within 90 days from the date you opened your account, you will be charged$10.00. Daily balance computation method – We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Transaction limitations: Checks are issued in November.

Health Savings Account: Interest rate and annual percentage yield may change. Average monthly collected balance is $1,000 to $5,000, the interest rate is 0.02% (interest paid on the entire balance); Average monthly collected balance is $5,000.01 to $25,000, interest rate is 0.03% (interest paid on the entire balance); Average monthly collected balance is $25,000.01 and to $50,000, interest is 0.05% (interest paid on the entire balance); Average monthly collected balance is $50,000.01 to $75,000, interest is 0.07% (interest paid on the entire balance); Average monthly collected balance is above $75,000, interest is 0.07% (interest paid on the entire balance). Interest rate may change. Interest compounded daily and credited monthly. Close your account before interest is credited, you will not receive the accrued interest if total is less than $1.00. Close the account within 90 days of opening, you will be charged $10.00. Daily balance method used to calculate interest. For noncash deposits, interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (such as checks.) E-statements provided at no charge. Paper statements available for $5.00 per cycle.