Deposit Rates

Effective Date: Interest rates and annual percentage yields are current as of 
09/03/2010

*Minimum balance to earn annual percentage yield. A penalty may be imposed for early withdrawal. The APY is based on the interest compounding quarterly.  Interest Rates are subject to change daily.

*Minimum balance to earn the annual percentage yield.  The annual percentage yields based on a monthly compounding of interest.  Interest Rates are subject to Change Daily.  Fees may reduce earnings.
**The minimum balance to earn interest on the Regular Savings and Kids Club Savings is $1.00.  The minimum balance to earn interest on the Christmas Club Savings is $250.00. 

*Minimum balance to earn the annual percentage yield.  The annual percentage yields based on a monthly compounding of interest.  Interest Rates are subject to Change Daily.  Fees may reduce earnings. 

The annual percentage yield for the bonus rate for balances above $25,000.00 will range from 4.50% to .50%, depending on the balance in the account.
**The minimum balance to earn interest on the NOW Checking account is $1,500.00.  The minimum balance to earn interest on a My Great Rate Checking is $1.00.   The minimum balance to earn interest on a Silver Leaf Checking is $1,000.00.
***Other requirements apply, see a bank representative for details.

*Minimum balance to earn the annual percentage yield.  The annual percentage yields based on a monthly compounding of interest.  Interest Rates are subject to Change Daily.  Fees may reduce earnings. 
**The minimum balance to open a Gold Leaf Money Market is $1,000.00.

*Minimum balance to earn the annual percentage yield.  The annual percentage yields based on a monthly compounding of interest.  Interest Rates are subject to Change Daily.   Fees may reduce earnings.
The minimum balance to open a Health Savings Account is $25.00.

*Minimum balance to earn the annual percentage yield.  The annual percentage yields based on a monthly compounding of interest.  Interest Rates are subject to Change Daily.   Fees may reduce earnings.
The minimum balance to open a Business Money Market is $25.00.

Loan Rates

*Annual Percentage Rate (APR) is based off of the current interest rate, a documentation fee of $372.00, a loan to value of 80% or less, and assumes a loan amount of $100,000.00.  The APR will vary depending on the number of days of prepaid interest. The interest rates quoted are based on NO points.  Higher interest rates may apply based on loan to value and credit scores.  Interest rates are subject to change daily.

*Annual Percentage Rate (APR) is based off of the current interest rate, a documentation fee of $78.00, and assumes a loan amount of $25,000.00.  Interest rates are subject to change daily.

*Annual Percentage Rate (APR) is based off of the current interest rate, a documentation fee of $200.00, a combined loan to value of 85% or less, and assumes  a loan amount of $25,000.00  Higher interest rates apply for higher loan to values.  Interest rates are subject to change daily.
**Annual Percentage Rate (APR) is based off of the current interest rate.  A variable interest rate of Prime floating, 3.25% APR currently, is available with a combined loan to value ratio of 85% or less, documentation fee to $78.00 and assumes a loan amount of $25,000.00.  A floor rate of 5.125% APR does apply. Higher variable rates would apply to higher loan to value ratios. The APR will vary with the Prime rate as published in the Wall Street Journal. The APR will not exceed 18%. Interest rates are subject to change daily.

***Annual percentage rate is based off of the current interest rate, a documentation fee of $78.00, a combined loan to value of 85% or less, and assumes a loan amount of $25,000. Higher interest rates apply for higher loan to values.  Interest rates are subject to change daily.