Rates

Rates Effective March 25, 2013

Kasasa Accounts

Kasasa Cash	Minimum Balance	Rate	APY ¹
When qualifications are met	$0.01 - $10,000	2.23%	2.25%
When qualifications are met	balances over $10,000	0.25%	0.25%
When qualifications are not met	all balances	0.05%	0.05%

Kasasa Saver	Minimum Balance	Rate	APY ¹
When qualifications are met	$0.01 - $20,000	1.00%	1.00%
When qualifications are met	balances over $20,000	0.25%	.25%
When qualifications are not met	all balances	0.05%	0.05%

Personal Accounts

Account	Interest Rate	APY ¹
Personal NOW Checking	0.25%	0.25%
Savings Regular / Minor	0.35%	0.35%
Personal Money Manager ($2,500 required daily balance)	0.45%	0.45%

Business Accounts

Account	Interest Rate	APY ¹
Business NOW Checking (Sole Proprietor / Non-Profit)	0.30%	0.30%
Business Savings $500.00 required daily balance	0.45%	0.45%
Business Money Manager $2,500 required daily balance.	0.60%	0.60%

Certificate of Deposit (CD)

Term	Interest Rate	APY ¹
3 Month	0.20%	0.20%
6 Month	0.25%	0.25%
1 Year	0.45%	0.45%
2 Year	0.65%	0.65%

$500 Minimum balance required.
A penalty may be imposed for early withdrawal on CDs.

IRA

Term	Interest Rate	APY ¹
18 Month ²	0.65%	0.65%

$500 Minimum balance required.
A penalty may be imposed for early withdrawal.

Health Savings Account

Health Savings Account	Interest Rate	APY ¹
If your balance is $5,000.00 or more the interest rate paid on the entire balance in your account will be:	1.75%	1.76%
If your balance is greater than $2,500.00 and less than $4,999.99 the interest rate paid on the entire balance in your account will be:	1.25%	1.26%
If your balance is greater than $500.00 and less than $2,499.99 the interest rate paid on the entire balance in your account will be:	0.75%	0.75%
If your balance is less than $499.99 the interest rate paid on the entire balance in your account will be:	0%	0%

¹ APY = Annual Percentage Rate

² Additional deposits allowed on this IRA only. For more information, call (501) 376-0800.