Checking & Savings Account Rates
Account	Minimum Balance to Open Account	Interest Rate	Annual Percentage Yield (APY)
*NOW Account	$1,000	.15	.15
**HIFI/Money Market	$2,500	.35	.35
Savings Account	$100	.35	.35

Information current as of: 01/24/2012

*A balance of $1000 must be maintained to avoid service charge
** If balance drops below $1,000, the interest rate will change to the NOW Account rate.

Fees may reduce annual earnings.