Certificates of Deposit

• Rate Quotes are Subject to Change Daily
• Daily Balance
• Compounded Monthly
• A penalty may be imposed for early withdrawal

Checking and Savings Accounts

• Christmas Club deposits of equal monthly increments with an overall limit of $10,000.00
• Daily Balance Method
• Fees could reduce the earnings on the account.
• The rate and APY may be subject to change after the account is opened.