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Deposit Rates

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DEPOSIT RATE SHEET
Deposit Rates and Annual Percentage Yields

Rates and Annual Percentage Yields are accurate as of: February 1, 2013

Checking & Savings Products
Product Name Min. Balance to Earn APY  Interest
Rate
Annual
Percentage Yield

Interest Checking *
$1,000 minimum balance or

$5,000 total deposits or
$5,000 in personal loans

$0.01 - $9,999.99
$10,000.00 - $24,999.99
$25,000.00 - $ above
0.01%
0.01%
0.01%
0.01%
0.01%
0.01%

Forward Interest Checking *
$5,000 minimum opening deposit, 

$5,000 minimum balance or

total deposits of $50,000

$0.01 - $24,999.99

$25,000.00 - $49,999.99

$50,000.00 - $99,999.99

$100,000.00 - $249,999.99

$250,000.00 - $ above

0.01%
0.02%
0.05%
0.05%
0.05%

0.01%
0.02%
0.05%
0.05%
0.05%

Health Savings Account (checking) * $0.00 0.05% 0.05%
Regular Savings Account *
$200 Minimum Opening Deposit
(waived if under age 21 or age 65 and over)
$0.00 0.05% 0.05%
IRA Savings Account * $0.00 0.25% 0.25%
Money Market Savings * $1,000 - $24,999.99
$25,000.00 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 - $ above
0.01%
0.02%
0.05%
0.07%
0.01%
0.02%
0.05%
0.07%
Forward Money Market * $5,000.00 - $149,999.99
$150,000.00 - $ above
0.05%
0.25%
0.05%
0.25%
Forward Business Checking
Earnings Credit is calculated on available balance (less 10% reserve balance requirement) to offset service charges

0.05% effective 2/01/2011 (changed monthly on the 1st of the month)

Auto-Renewable Certificates of Deposit
***Public Funds NOT Eligible***
3 Month Certificate $500.00  0.20%  0.20%
6 Month Certificate $500.00  0.25%  0.25%
12 Month Certificate $500.00  0.30%  0.30%
18 Month Certificate $500.00  0.35%  0.35%
24 Month Certificate $500.00  0.75%  0.75%
30 Month Certificate $500.00  0.90%  0.90%
36 Month Certificate $500.00  1.00%  1.00%
48 Month Certificate $500.00  1.49%  1.50%
60 Month Certificate $500.00  1.74%  1.75%
 Retirement Account Certificates (Auto-Renewable)   
12 Month IRA/Keogh  $500.00 0.25%  0.25%
18 Month IRA/Keogh  $500.00  0.30%  0.30%
24 Month IRA/Keogh   $500.00  0.70%  0.70%
30 Month IRA/Keogh  $500.00  0.85%  0.85%
60 Month IRA/Keogh  $500.00  1.69%  1.70%
 Variable Rate Certificates (no longer available, for rate changes only)
48 Month Upgrade Certificate $2,500.00 1.39% 1.40%

* Variable Rate - Rate may change after the account is opened. Fees may reduce the earnings on the account.

A penalty may be imposed for early withdrawal of any certificates of deposit.

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