Rates

Rates are valid through November 4th, 2014

Certificates of Deposit (CDs)

TermMinimum Daily BalanceTierRateAPY*
30 Days$2,500n/a0.10%0.10%
6 Months$1,000n/a0.15%0.15%
7 Months

Variable Rate Special

$2,500up to $24,9990.10%0.10%
  up to $49,9990.15%0.15%
  up to $74,9990.20%0.20%
  up to $99,9990.25%0.25%
  $100,000 and over0.35%0.35%
11 Month Special$2,500n/a0.60%0.60%
1 Year$1,000n/a0.25%0.25%
15 Months$1,000n/a0.30%0.30%
18 Months** ***

(fixed and variable)

$1,000n/a0.35%0.35%
18 Months***

EZ Open

$25up to $4990.05%0.05%
  up to $9990.15%0.15%
  $1,000 and over0.25%0.25%
2 Year Step Up Special$2,500n/a0.85%0.85%
2 Years$1,000n/a0.40%0.40%
2.5 Years$1,000n/a0.45%0.45%
3 Years****$1,000n/a0.65%0.65%
4 Years****$1,000n/a0.90%0.90%
5 Years$1,000n/a1.00%1.00%
7 Years$1,000n/a1.39%1.40%

Fees may reduce earnings. Early withdrawal is subject to penalty.

* APY = Annual Percentage Yield

** Interest rate may change on the first of any month

*** Additional deposits accepted in amounts of at least $25.00

**** One time option to "step up" the interest rate to the current rate for the remainder of the term of the account

Savings

Personal

ProductMinimum Daily BalanceTierRateAPY*
Statement and Passbook Savings**$100n/a0.05%0.05%
Health Savings Account$100up to $7,4990.15%0.15%
  up to $19,9990.35%0.35%
  up to $34,9990.60%0.60%
  up to $49,9990.75%0.75%
  $50,000 and over1.00%1.00%
Young Investor Club**$5n/a0.05%0.05%
Holiday Club**

(coupon/passbook)

$100n/a0.05%0.05%
Extra Savings**$100up to $4,9990.05%0.05%
  up to $9,9990.10%0.10%
  $10,000 and over0.15%0.15%
Money Market Deposit Account$2,500up to $9,9990.05%0.05%
  up to $24,9990.10%0.10%
  up to $49,9990.15%0.15%
  up to $74,9990.20%0.20%
  $75,000 and over0.25%0.25%

* APY = Annual Percentage Yield

** Interest rate may change on the first of any month

Business

ProductMinimum Daily BalanceTierRateAPY*
Pathfinder Business Savings**$100up to $9,9990.05%0.05%
  up to $24,9990.10%0.10%
  $25,000 and over0.20%0.20%
Executive MMDA$2,500up to $9,9990.05%0.05%
  up to $24,9990.10%0.10%
  up to $49,9990.15%0.15%
  up to $74,9990.20%0.20%
  $75,000 and over0.25%0.25%

* APY = Annual Percentage Yield

** Interest rate may change on the first of any month

Checking

Personal

ProductMinimum Daily BalanceTierRateAPY*
Extra Checking$100n/a0.05%0.05%
Plus Checking**$100up to $9,9990.05%0.05%
  up to $24,9990.10%0.10%
  $25,000 and over0.15%0.15%
Money Management Checking**noneup to $9,9990.05%0.05%
  up to $24,9990.10%0.10%
  $25,000 and over0.15%0.15%

* APY = Annual Percentage Yield

** Interest rate may change on the first of any month

Business

ProductMinimum Daily BalanceTierRateAPY*
Business Checking**noneup to $4,9990.05%0.05%
  up to $9,9990.10%0.10%
  $10,000 and over0.15%0.15%
IOLA$100up to $9,9990.05%0.05%
  up to $24,9990.10%0.10%
  $25,000 and over0.15%0.15%

* APY = Annual Percentage Yield

** Business rate is for earnings credit only