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Current Rates

ANNUAL PERCENTAGE YIELDS ACCURATE AS OF 10/8/2013

- Interest
Rate
Annual
Percentage
Yield (APY)
Minimum
Balance To
Earn APY
Minimum
Deposit
To Open

DEMAND ACCOUNTS
KeyKids Savings .10% .10% $.00 $25.00
Christmas Club .10% .10% $.00 $25.00
Regular Savings .10% .10% $.00 $50.00
Insured Investment .10% .10% $.00 $1,000.00
Insured Investment .25% .25% $10,000.00 $1,000.00

CHECKING ACCOUNTS
Spirit Checking n/a n/a n/a $50.00
Key Checking .05% .05% $100.00 $100.00
Key Checking Plus .05% .05% $100.00 $100.00
Key Checking 50 .05% .05% $100.00 $100.00

At our discretion, we may change the interest rate on the above accounts. Fees could reduce the earnings on the above accounts.

TERM ACCOUNTS
91 Day CD .10% .10% $1,000.00 $1,000.00
182 Day CD .40% .40% $1,000.00 $1,000.00
8 Month CD .25% .25% $1,000.00 $1,000.00
10 Month CD .30% .30% $1,000.00 $1,000.00
One Year CD .40% .40% $500.00 $500.00
Two Year CD .75% .75% $500.00 $500.00
30 Month CD .80% .80% $500.00 $500.00
Three Year CD 1.00% 1.00% $500.00 $500.00

HEALTH SAVINGS ACCOUNTS
HSA Checking* .05% .05% $0.00 $50.00
HSA Checking* .10% .10% $5,000.00 $50.00
HSA Checking* .25% .25% $10,000.00 $50.00

RETIREMENT ACCOUNTS

TRADITIONAL IRA
Regular Savings* .10% .10% $.00 $50.00
18 Month CD .45% .45% $500.00 $500.00
Two Year CD .75% .75% $500.00 $500.00
30 Month CD .80% .80% $500.00 $500.00
Three Year CD 1.00% 1.00% $500.00 $500.00

ROTH IRA
Regular Savings* .10% .10% $.00 $50.00
18 Month CD .45% .45% $500.00 $500.00
Two Year CD .75% .75% $500.00 $500.00
30 Month CD .80% .80% $500.00 $500.00
Three Year CD 1.00% 1.00% $500.00 $500.00

COVERDELL EDUCATION SAVINGS
Regular Savings* .10% .10% $.00 $50.00
18 Month CD .45% .45% $500.00 $500.00
Two Year CD .75% .75% $500.00 $500.00
30 Month CD .80% .80% $500.00 $500.00
Three Year CD 1.00% 1.00% $500.00 $500.00

*At our discretion, we may change the interest rate on these accounts.
A penalty may be imposed for early withdrawal from term accounts.
Maximum additions to existing IRA Certificates with a term greater than 18 Months are limited to tax year contributions, $25.00 minimum deposit.
Larger deposits may be allowed to the 18 Month IRA Certificates.
Additional deposits will not extend maturity date.