Checking & Savings Account Rates
Account	Minimum Balance to Open Account	Interest Rate	Annual Percentage Yield (APY)
*NOW Account	$1,000	.25	.25
**HIFI/Money Market	$2,500	.60	.60
Savings Account	$100	.50	.50

Information current as of: 10/20/09

*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.