Deposit Rates

Rates effective as of 8/01/13. APY = Annual Percentage Yield. Fees may reduce earnings.

Minimum Daily Balance	Interest Rate	APY
Current APY on balances up to $25,000 on qualifying balances	1.500%	1.50%
Current APY on balances over $25,000 on qualifying balances	0.100%	1.00% to 0.28% depending on account balance
Current APY on non-qualifying balances	0.050%	0.05%
Note: In order to qualify for rewards, simply do the following each monthly qualification cycle: - Have at least 12 debit card purchases (PIN - or signature-based, ATM withdrawals do not qualify) post and settle to the account - Have at least one direct deposit or ACH auto debit post and settle to your Rewards Checking Account - Be Enrolled, Receive and Review free paperless e-statements Rates are effective as of 03/01/14 and are subject to change at any time. Any fees incurred could reduce earnings on this account.

Member Maintenance Fee	Current APY on $100 or more	ATM Access (Primary Savings Account)
$5.00 ($1.00 for Clubs)	0.05%	Yes
Note: $5 Required Minimum Opening Deposit. $1.00 for Clubs. Member Maintenance Fee is waived if deposits are $1000 or more, you have Direct Deposit, or if you have a classic of premium relationship. Annual Percentage Yields (APY) are effective as of 03/01/14 and may change after account is opened. Any fees incurred could reduce earnings on the account.

Minimum Daily Balance	Current APY on $1.00 or more	Monthly Service Charge
$1.00	0.05%	None
Note: $1 Required Minimum Opening Deposit. Annual Percentage Yield (APY) is effective as of 03/01/14 and may change after account is opened. Must be under 18 years of age.

Minimum Daily Balance	$1
Mininum Balance to Earn Interest	$1,000
APY on $0-$4,999.99	0.05%
APY on $5,000-$9,999.99	0.10%
APY on $10,000-$24,999	0.15%
APY on $25,000-$49,999.99	0.20%
APY on $50,000-$74,999.99	0.20%
APY on $75,000-$99,999.99	0.20%
APY on $100,000+	0.20%
Monthly Service Charge	None
Note: This account is no longer available to open. Annual Percentage Yields (APY) are effective as of 03/01/14 and are subject to change without notice. Any fees incurred could reduce earnings on the account.

Annual Percentage Yield (APY)	$1,000-100,000+
3 month Certificate	.05%
6 month Certificate	0.20%
12 month Certificate	0.35%
18 month Certificate	0.50%
24 month Certificate	0.70%
36 month Certificate	1.00%
48 month Certificate	1.20%
60 month Certificate	1.75%
60 month Structured Savings Certificate	1.75% *
6 month Junior Certificate*	0.35%**
Note: Annual Percentage Yields (APY) are effective as of 03/01/14 and are subject to change without notice. Penalty for early withdrawal. Minimum Deposit is $1,000.00. Other rates and terms may be available. * Must be maintained in the account of a minor (under age 18). Minimum balance is $500.00 on 60 month Structured Savings and 6 month Junior Certificates. * Maximum contribution to Structured Savings Certificate is $50,000

Minimum Daily Balance	$0
APY on $0-$4,999.99	0.15%
APY on $5,000-$9,999.99	0.35%
APY on $10,000-$24,999	0.50%
APY on $25,000-$49,999.99	0.70%
APY on $50,000-$74,999.99	0.90%
APY on $75,000-$99,999.99	1.00%
APY on $100,000+	1.00%
Note: Annual Percentage Yields (APY) are effective as of 03/01/14 and may change after account is opened. Maximum annual contribution is $5,000 under age 50 and $6,000 age 50 and up. Any fees incurred could reduce earnings on this account.

Annual Percentage Yield (APY)	$1,000-$100,000+
3 month Certificate	.05%
6 month Certificate	0.20%
12 month Certificate	0.35%
18 month Certificate	0.50%
24 month Certificate	0.70%
36 month Certificate	1.00%
48 month Certificate	1.20%
60 month Certificate	1.75%
Note: Annual Percentage Yields (APY) are effective as of 03/01/14 and are subject to change without notice. Penalty for early withdrawal. Minimum Opening Balance is $1,000.00. Other terms and rates may be available.

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