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Interest Rates

Certificate of Deposit Rates

Term	Minimum Deposit to Open Account	Frequency of Compounding	Min Daily Balance	Interest Rate	Annual Percentage Yield*†
36 Months	$1,000	Annually	$1,000	1.60%	1.60%
24-35 Months	$1,000	Annually	$1,000	1.25%	1.25%
12-23 Months	$1,000	Annually	$1,000	0.90%	0.90%
6-11 Months	$1,000	At Maturity	$1,000	0.60%	0.60%
90-179 Days	$1,000	At Maturity	$1,000	0.40%	0.40%

Other Rates

Type of Account	Frequency of Compounding	Min Daily Balance	Interest Rate	Annual Percentage Yield*
Interest Bearing Checking Account	Monthly	$500	0.15%	0.15%
Savings Account	Monthly	0	0.35%	0.35%
Minor Savings Account	Monthly	0	0.35%	0.35%

* Annual Percentage Yield (APY) is accurate as of Jan 20, 2012 and may change at any time without prior notice. Fees could reduce earnings on the account.
†After your CD is opened, the interest rate is fixed for the term. A penalty may be imposed for early withdrawal.

Currency ExchangeNote Rates displayed reflect local currency rates, and are applicable if the currency exchange is performed in that country. For example, the rate for GBP is the rate offered if purchased in the United Kingdom.

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