Deposit Dividend Rates

Accurate as of May 1, 2013

Savings

Basic Savings

Compounding Method	Deposit Required to Open Account	Minimum Required to Earn APY	Dividend Rate	Annual Percentage Yield (APY)
Monthly	$100. or PRD	$10.	0.05%	0.05%

Advantage Savings

Compounding Method	Deposit Required to Open Account	Minimum Required to Earn APY	Dividend Rate	Annual Percentage Yield (APY)
Daily	$100. or PRD	$500.	0.05%	0.05%
Daily	$100. or PRD	$2,500.	0.10%	0.10%
Daily	$100. or PRD	$10,000.	0.10%	0.10%
Daily	$100. or PRD	$25,000.	0.15%	0.15%
Daily	$100. or PRD	$50,000.	0.20%	0.20%
Daily	$100. or PRD	$100,000.	0.25%	0.25%

Advantage Plus Savings

Compounding Method	Deposit Required to Open Account	Minimum Required to Earn APY	Dividend Rate	Annual Percentage Yield (APY)
Daily	$50,000.	$50,000.	0.35%	0.35%

IRA Advantage Savings

Compounding Method	Deposit Required to Open Account	Minimum Required to Earn APY	Dividend Rate	Annual Percentage Yield (APY)
Monthly	$100. or PRD	$10.	0.05%	0.05%
Monthly	$100. or PRD	$2,500.	0.10%	0.10%
Monthly	$100. or PRD	$10,000.	0.10%	0.10%
Monthly	$100. or PRD	$25,000.	0.15%	0.15%
Monthly	$100. or PRD	$50,000.	0.25%	0.25%
Monthly	$100. or PRD	$100,000.	0.30%	0.30%

Money Market Account

Compounding Method	Deposit Required to Open Account	Minimum Required to Earn APY	Dividend Rate	Annual Percentage Yield (APY)
Daily	$2,500.	$10.	0.05%	0.05%
Daily	$2,500.	$2,500.	0.10%	0.10%
Daily	$2,500.	$25,000.	0.15%	0.15%
Daily	$2,500.	$50,000.	0.20%	0.20%
Daily	$2,500.	$100,000.	0.25%	0.25%

Easy Money Market Account

Compounding Method	Deposit Required to Open Account	Minimum Required to Earn APY	Dividend Rate	Annual Percentage Yield (APY)
Daily	$10,000.	$10.	0.05%	0.05%
Daily	$10,000.	$10,000.	0.30%	0.30%

These accounts are variable rate accounts. The dividend rate and Annual Percentage Yield (APY) may change after the account is opened. Balances below the minimum required to earn APY will not earn dividends. Fees and other conditions could reduce the earnings on these accounts. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.

Checking

Basic Checking

Compounding Method	Deposit Required to Open Account	Minimum Required to Earn APY	Dividend Rate	Annual Percentage Yield (APY)
n/a	$100. or PRD	n/a	n/a	n/a

eChecking

Compounding Method	Deposit Required to Open Account	Minimum Required to Earn APY	Dividend Rate	Annual Percentage Yield (APY)
n/a	$100. or PRD	n/a	n/a	n/a

Advantage Checking

Compounding Method	Deposit Required to Open Account	Minimum Required to Earn APY	Dividend Rate	Annual Percentage Yield (APY)
Monthly	$100. or PRD	$1,000.	0.05%	0.05%
Monthly	$100. or PRD	$10,000.	0.05%	0.05%
Monthly	$100. or PRD	$25,000.	0.10%	0.10%

Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.

Certificates

Flexible Term Certificates - Term Share & IRA

Term	Compounding Method	Deposit Required to Open Account	Minimum Required to Earn APY	Dividend Rate	Annual Percentage Yield (APY)
6 to 11 months	Monthly	$1,000.	$1,000.	0.25%	0.25%
12 to 23 months	Monthly	$1,000.	$1,000.	0.35%	0.35%
24 to 35 months	Monthly	$1,000.	$1,000.	0.60%	0.60%
36 to 47 months	Monthly	$1,000.	$1,000.	0.80%	0.80%
48 to 59 months	Monthly	$1,000.	$1,000.	1.09%	1.10%
60 to 71 months	Monthly	$1,000.	$1,000.	1.39%	1.40%
72 to 96 months	Monthly	$1,000.	$1,000.	1.39%	1.40%
Special! 15 months*	Monthly	$1,000.	$1,000.	0.50%	0.50%

Certificates are fixed rate accounts and will remain in effect until maturity. The Annual Percentage Yield (APY) is based on an assumption that dividends will remain on deposit until maturity and a withdrawal or fee will reduce earnings. Penalties may be incurred for early withdrawals from certificates.
*Limited time offer.

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