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Current Interest Rates as of 04/04/2014

Checking & Savings Accounts***

Account

Interest Rate Annual Percentage Yield*
Gold Account 0.10% 0.10%
Gold Plus Account
0.00 - 9,999.99 0.10% 0.10%
10,000.00 & above 0.10% 0.10%
Silver Account** 0.05% 0.05%
Wise Choice Senior** 0.05% 0.05%
Personal Money Market
0.00 - 2,499.99 0.10% 0.10%
2,500.00 & above 0.10% 0.10%
Commercial Money Mkt 0.10% 0.10%
Personal Savings 0.10% 0.10%
Commercial NOW 0.05% 0.05%
Commercial Plus
0.00 - 24,999.99 0.10% 0.10%
25,000 & above 0.10% 0.10%
Christmas Club Savings 0.10% 0.10%

*Annual Percentage Yield (APY) is accurate as of the date listed above. Rates may change at any time without prior notice. Simple interest is calculated on the average daily collected balance in the account and credited either monthly or quarterly. Fees could reduce earnings on the account.

**You must maintain a minimum average daily balance of $1,000.00 to obtain the disclosed annual percentage yield.

***A minimum deposit of $50.00 is required to open an account.

Certificates Of Deposit and Individual Retirement Accounts*

Term/Period Annual Percentage Yield
30 Days 0.10%
91 Days 0.10%
182 Days 0.10%
12 Months 0.30%
24 Months 0.35%
36 Months 0.55%
48 Months 0.70%
60 Months 0.90%
12 Month Birthday 0.35%
Nest Egg 12M 0.10%
15 Month Special 0.40%

*An early withdrawal penalty may be imposed. Early withdrawal fees could result in a reduction in earnings. A minimum deposit of $500.00 is required to open a Certificate of Deposit account.

The annual percentage yields are calculated on daily compounding for terms equal to or greater than 12 months and simple for lesser terms.

Rates are subject to change without notice.


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