Deposit Rates

CERTIFICATES OF DEPOSIT*

$500.00 MINIMUM
APY ** RATE
7-31 Day .10% .10%
90 Day .10% .10%
6 Month .20% .20%
12 Month .35% .35%
24 Month .70% .70%
36 Month .80% .80%
48 Month 1.00% 1.00%
60 Month 1.20% 1.19%
$10,000.00 MINIMUM
APY ** RATE
7-31 Day .10% .10%
90 Day .10% .10%
6 Month .20% .20%
12 Month .45% .45%
24 Month .80% .80%
36 Month .90% .90%
48 Month 1.11% 1.10%
60 Month 1.40% 1.39%
** CERTIFICATES OF DEPOSITS-ANNUAL PERCENTAGE YIELD COMPOUNDED MONTHLY INVESTMENTS OVER $5,000- MONTHLY CHECK IS AVAILABLE** Penalty may apply for early withdrawal** Rates may change without notice

IRA ACCOUNTS

$250.00 MINIMUM
APY ** RATE
12 Month CD .45% .45%
24 Month CD .80% .80%
36 Month CD .90% .90%
60 Month CD 1.40% 1.39%
Penalty may be imposed for withdrawals before maturity** (I.R.A.-Annual Percentage yield compounded quarterly)

INTEREST CHECKING

MONEY MARKET
APY ** RATE
$1000 – $99,999.99 .10% .10%
$100,000.00 – Over .50% .50%
** (Annual percentage yield-based on monthly compounding)** Must maintain minimum balance to obtain the disclosed annual percentage yield. Fees may affect earnings on this account
NOW
APY ** RATE
$500.00 MINIMUM
Top open Now Account		 .10% .10%
** (Annual percentage yield-based on monthly compounding)** No minimum balance required in the account each day to obtain the disclosed annual percentage yield. Fees may affect earnings on this account.

INTEREST SAVINGS

(MIN. BALANCE OF $50.00 to Open) A monthly flat service charge of $1.00 per month if balance goes below minimum. Annual percentage yield-based on quarterly compounding.

REGULAR SAVINGS

APY ** RATE
$0.00 – $99,999.99 .10% .10%
$100,000 – Over .50% .50%
**No minimum balance required in the account each day to obtain the disclosed annual percentage yield. Fees may affect earnings on this account.

CHRISTMAS CLUB

APY ** RATE
COUPON BOOK .10% .10%
AUTOMATIC .20% .20%
(Christmas Clubs start October maturing the following October, penalty may be imposed for withdrawals before maturity)

VACATION CLUB

APY ** RATE
COUPON BOOK .10% .10%
AUTOMATIC .20% .20%
(Vacation Clubs start May maturing the following May)

Contact an employee for further information about applicable fees and terms.

Rates may change without notice.
Rates effective: May 21, 2013

For the latest Mortgage rates and information contact our Loan department at 570-799-0176 or lmorris@unbmountcarmel.com.
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