Terms of Use

Interest Bearing Accounts
Effective as of June 18, 2014**

ACCESS PLUS ACCOUNT
Product Information Interest
Rate
APY* Minimum
You must maintain the minimum average daily balance stated to obtain the disclosed annual percentage yield. This is a variable rate account; the interest rate(s) and APY(s) may change after the account is opened. .10% .10% $2,500
.15% .15% $10,000
.20% .20% $25,000
Golden 55 Club Checking Account
Product Information Interest
Rate
APY* Minimum
You must maintain daily balance of $500 to obtain the disclosed annual percentage yield. This is a variable rate account; the interest rate(s) and APY(s) may change after the account is opened. .10% .10% $100
NOW Account
Product Information Interest
Rate
APY* Minimum
You must maintain daily balance of $1,000 to obtain the disclosed annual percentage yield. This is a variable rate account; the interest rate(s) and APY(s) may change after the account is opened. .10% .10% $1,000
Super NOW Account
Product Information Interest
Rate
APY* Minimum
You must maintain daily balance of $2,500 to obtain the disclosed annual percentage yield. This is a variable rate account; the interest rate(s) and APY(s) may change after the account is opened. .15% .15% $2,500
Passbook Savings
Product Information Interest
Rate
APY* Minimum
You must maintain daily balance of $100 to obtain the disclosed annual percentage yield. This is a variable rate account; the interest rate(s) and APY(s) may change after the account is opened. .25% .25% $50
Education Pays Savings
Product Information Interest
Rate
APY* Minimum
There is no minimum balance required on this account. Interest will be paid on the balance in the account each day at the current rate. This is a variable rate account; the interest rate(s) and APY(s) may change after the account is opened. .25% .25% $5
*Annual Percentage Yield

**Rates subject to change without notice


Certificate of Deposit Rates
Effective as of June 18, 2014*
Term Interest Rate Annual Percentagle Yield Minimum
31 Day .05% .05% $1,000
91 Day .10% .10% $1,000
6 Month .15% .15% $1,000
12 Month .25% .25% $1,000
18 Month .30% .30% $1,000
24 Month .40% .40% $1,000
30 Month .45% .45% $1,000
36 Month .55% .55% $1,000
48 Month .80% .80% $1,000
60 Month 1.15% 1.16% $1,000
Penalty for early withdrawal.
Fees May Reduce Earnings.


Individual Retirement Account Rates
Effective as of June 18, 2014
Term Interest Rate Annual Percentagle Yield Minimum
6 Month .15% .15% $100
12 Month .25% .25% $100
18 Month .30% .30% $100
24 Month .40% .40% $100
30 Month .45% .45% $100
36 Month .55% .55% $100
48 Month .80% .80% $100
60 Month 1.15% 1.15% $100
Penalty for early withdrawal.
Fees May Reduce Earnings.