Savings/CD Account Rates

June 4, 2013

Annual Percentage Yield (APY) and interest rate shown below are effective as of the date above. For more information, call 800.461.0672.

Rates subject to change at Management’s discretion.

Checking, Savings & MMAs	Interest Rate	Annual Percentage Yield
Interest Checking (Consumer)	0.050%	0.050%
Interest Checking (Sole Proprietor)	0.050%	0.050%
Flagship Checking (Consumer)	0.075%	0.075%
Basic Money Market Account (Consumer)	0.050%	0.050%
Basic Money Market Account (Business)	0.050%	0.050%
Statement Savings	0.050%	0.050%
Passbook Savings	0.050%	0.050%
Christmas Club	0.050%	0.050%

Consumer Tiered MMA Based on Balance	Interest Rate	Annual Percentage Yield
$0 – $4,999.99	0.00%	0.00%
$5,000 – $24,999.99	0.05%	0.05%
$25,000 – $49,999.99	0.10%	0.10%
$50,000 – $149,999.99	0.15%	0.15%
$150,000 – $999,999.99	0.20%	0.20%
$1,000,000+	0.25%	0.25%

Health Savings Account	Interest Rate	Annual Percentage Yield
$0 – $999.99	0.05%	0.05%
$1,000 – $2,499.99	0.10%	0.10%
$2,500 – $4,999.99	0.15%	0.15%
$5,000 – $14,999.99	0.20%	0.20%
$15,000+	0.25%	0.25%

CD & IRA Accounts	Interest Rate	Annual Percentage Yield	Early Withdrawal Penalty
3 Mo CD & IRA	0.100%	0.100%	30 Days Interest
6 Mo CD & IRA	0.150%	0.150%	90 Days Interest
1 Yr CD & IRA	0.250%	0.250%	90 Days Interest
18 Mo CD & IRA	0.300%	0.300%	180 Days Interest
2 Yr CD & IRA	0.350%	0.350%	180 Days Interest
3 Yr CD & IRA	0.600%	0.600%	180 Days Interest
4 Yr CD & IRA	0.750%	0.750%	180 Days Interest
5 Yr CD & IRA	0.995%	1.000%	180 Days Interest

Business Tiered MMA Based on Balance	Interest Rate	Annual Percentage Yield
$0 – $4,999.99	0.00%	0.00%
$5,000 – $24,999.99	0.05%	0.05%
$25,000 – $49,999.99	0.10%	0.10%
$50,000 – $149,999.99	0.15%	0.15%
$150,000 – $999,999.99	0.20%	0.20%
$1,000,000+	0.25%	0.25%

Business MMA Sweep	Interest Rate	Annual Percentage Yield
$0 – $24,999.99	0.05%	0.05%
$25,000 – $49,999.99	0.05%	0.05%
$50,000 – $99,999.99	0.10%	0.10%
$100,000+	0.15%	0.15%

Internet Savings	Interest Rate	Annual Percentage Yield
NSBeSavings	0.40%	0.40%
NSBiSavings
<$5,000	0.00%	0.00%
$5,000 – $24,999	0.40%	0.40%
$25,000 – $49,999	0.60%	0.60%
$50,000 – $99,999	0.65%	0.65%
$100,000+	0.70%	0.70%

IMPORTANT INFORMATION ABOUT OUR RATES

Checking, Savings, MMAs, Internet Savings

Minimum to Open

• Checking accounts have a minimum deposit of $25 to open.
• Passbook, Statement Savings, Health Savings Accounts, Christmas Clubs, and Money Market Accounts opened in a branch office do not have a minimum deposit to open.
• Accounts opened online have at $25 minimum to open unless noted as higher.
• NSBeSavings has a $25 minimum to open and can only be opened online.
• NSBiSavings has a $5,000 minimum to open and can only be opened online.

Minimum to Earn Annual Percentage & Yield

• Passbook, Statement Savings, and NSBeSavings have a $10 minimum to earn Annual Percentage Yield.
• Basic Money Market Accounts have a $20 minimum to earn Annual Percentage Yield.
• Tiered Money Market Accounts and NSBiSavings have a $5,000 minimum to earn APY.
• There is no minimum balance to earn APY on Health Savings Accounts, Interest Checking, Flagship Checking, Business NOW, or Christmas Club.

Certificates of Deposits (CDs)

• All types of CDs require a minimum deposit of $500 to be opened and to earn the advertised APY.
• Interest credited may be withdrawn prior to maturity without penalty. The Annual Percentage Yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
• All Certificates of Deposits will automatically reinvest at maturity for the same term at the rate in effect on that date. The grace period for CDs is ten (10) calendar days.
• After the account is opened, you may not make deposits into nor withdrawals of principal from this account until the maturity date without substantial penalty. To obtain the Annual Percentage Yield disclosed, principal and interest must remain on deposit for 365 days at the nominal rate of interest.

All of our deposit accounts

• We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit.
• Fees may reduce earnings. Excluding CDs and IRAs, products listed are variable-rate accounts and your interest rate may change after you open your account.

Definitions of Terms

• "Annual Percentage Yield" is the percentage rate reflecting the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365-day period.
• "Principal" is the amount of funds assumed to have been deposited at the beginning of the account.
• "Interest" is the total dollar amount of interest earned on the principal for the term of the account.

REPO rates are available. New customers may call us for REPO rates. Existing customers may call or log on to their internet account to access current rates.