Deposit Rates

Rates Effective: 01/31/12
Rates are subject to change without notice.

Accounts	Interest Rate	Annual Percentage Yield	Minimum to Open
Regular Savings Account (Passbook, Savings or Holiday) ¹
$5.00 and over	0.10%	0.10%	$5.00
NOW Checking ^1,3
$5.00 and over	0.05%	0.05%	$5.00
Money Market ^1,3
$5.00 - $999.99	0.10%	0.10%	$1,000
$1,000 - $4,999.99	0.10%	0.10%	$1,000
$5,000 - $24,999.99	0.15%	0.15%	$1,000
$25,000 and over	0.15%	0.15%	$1,000
Business Money Market ^1,3
$5.00 - $2,499.99	0.10%	0.10%	$2,500
$2,500 - $4,999.99	0.10%	0.10%	$2,500
$5,000 - $24,999.99	0.15%	0.15%	$2,500
$25,000 and over	0.15%	0.15%	$2,500
Certificates & IRAs ²
The Choice CD ⁴	0.30%	0.30%	$500
3 Month CD	0.25%	0.25%	$500
6 Month CD & IRA CD ($500.00 - $49,999.99)	0.30%	0.30%	$500
6 Month CD & IRA CD ($50,000 and over)	0.30%	0.30%	$500
12 Month CD & IRA CD ($500.00 - $49,999.99)	0.45%	0.45%	$500
12 Month CD & IRA CD ($50,000 and over)	0.45%	0.45%	$500
24 Month CD & IRA CD ($500.00 - $49,999.99)	0.85%	0.85%	$500
24 Month CD & IRA CD ($50,000 and over)	0.85%	0.85%	$500
36 Month CD ($500 and over)	1.09%	1.10%	$500
48 Month CD	1.29%	1.30%	$500
60 Month CD & IRA CD ($500 and over)	1.49%	1.50%	$500
IRA 90 Day Notice ($5.00 and over)	0.49%	0.50%	$5.00
IRA 42 Month CD ($500 and over)	1.49%	1.50%	$500
Interest on the accounts shown above is calculated using the daily balance method. You will receive the Annual Percentage Yield(s) (APY) shown only if you leave principal and interest on deposit for a full year. For current rate information, you may call us at 1-860-693-6936 from 8:30 AM - 4:00 PM Monday - Friday and from 8:30 AM - 12:00 PM on Saturday. For additional information regarding deposit account terms and conditions, electronic fund transfers, funds availability and truth in savings, please see our pamphlet "Important Information About Deposit Accounts" or ask us for further information about these accounts. Notes: ¹ Rates may change after account is opened. ² A penalty may be imposed for early withdrawal. ³ Fees could reduce earnings on this account. ⁴ The Choice CD is a six month CD. Withdrawals in $500 increments are permitted once per month.