 |
| Effective: January 6, 2009 |
| | Minimum
Opening
Deposit | | Interest
Rate | | Annual
Percentage
Yield | | Savings |  *Passbook/Statement Savings | $200 | | 0.50% | | 0.50% | | *Money Market | $2,500 | | 1.24% | | 1.25% | | Checking | | *NOW | $500 | | 0.35% | | 0.35% | | Regular Checking | $200 | | No Interest | | Certificates of Deposit | | 3 Month | $1,000 | | 1.74% | | 1.75% | | 6 Month | $1,000 | | 1.98% | | 2.00% | | 9 Month (Bright Winter Special) | $2,500 | | 2.96% | | 3.00% | | 1 Year | $1,000 | | 2.32% | | 2.35% | | 15 Month (Bright Winter Special) | $5,000 | | 3.69% | | 3.75% | | 1 1/2 Year | $1,000 | | 2.52% | | 2.55% | | 2 1/2 Year | $1,000 | | 2.91% | | 2.95% | | 3 1/2 Year | $1,000 | | 3.40% | | 3.45% | | 5 Year | $1,000 | | 3.93% | | 4.00% | | Individual Retirement Accounts | | 1 1/2 Year Variable | $250 | | 0.82% | | 0.82% | | 1 1/2 Year Fixed | $1,000 | | 2.52% | | 2.55% | | 3 1/2 Year Fixed | $1,000 | | 3.40% | | 3.45% |
|
| * Variable rate and fees may reduce earnings. |
| A penalty will be imposed for early withdrawal on any Certificate of Deposit or IRA account. |
| All rates are accurate as of the above date and are subject to change at any time without notice. |
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