*A.P.Y. (Annual Percentage Yield) effective as of publication date. 1To receive stated A.P.Y. (Annual Percentage Yield), balance of $500,000 or more is required. 1.75% A.P.Y. on balances $250,000 - $499,999.99. 1.65% A.P.Y. on balances $100,000 - $249,999.99. 1.55% A.P.Y. on balances $50,000 - $99,999.99. 1.45% A.P.Y. on balances $25,000 - $49,999.99. 1.25% A.P.Y. on balances $.01 - $24,999.99 $100 Minimum Balance to open the account. $10 monthly service charge waived with balance $5,000 or over. Six withdrawals allowed per month, unlimited in person withdrawals allowed. Variable rates subject to change without notice. Fees may reduce earnings on the account. Rates are effective as of publication date. 2The 15 Month CD will automatically renew at maturity for a 12 month CD for the current rate. 3On the 24 Month In & Out CD, when your CD has reached the 12 month point, you have a 10 day window during which you have the option to add or withdraw funds with no penalty. CD will automatically renew at maturity for a regular 24 month CD for the current rate. 4On the 33 Month Raise Your Rate CD, at your option, you may request the bank change the interest rate on this certificate one time in a 12 month period during the 33 month term of this certificate, a total of 3 times during this initial term. The interest rate can be changed to the current interest rate of the 36 month certificate, based on the corresponding tier balance. Rate may change after the account is opened. Automatically renews at 36 month fixed interest rate CD at its’ current rate based on the corresponding tier balance. Offers not available to brokers, public or financial institutions. Penalty for early withdrawal. Interest compounded and credited quarterly. $250,000 maximum balance on all CD’s.