Savings/CD Account Rates

January 20, 2012

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)	0.05%	0.05%
Interest Checking (Sole Proprietor)	0.05%	0.05%
Basic Money Market Account (Consumer)	0.05%	0.05%
Basic Money Market Account (Business)	0.05%	0.05%
Statement Savings	0.05%	0.05%
Passbook Savings	0.05%	0.05%
Christmas Club	0.05%	0.05%
NSB eSavings - internet only savings	0.85%	0.85%

Consumer Tiered MMA Based on Balance	Interest Rate	Annual Percentage Yield
$0 – $4,999.99	0.00%	0.00%
$5,000 – $24,999.99	0.10%	0.10%
$25,000 – $49,999.99	0.15%	0.15%
$50,000 – $149,999.99	0.20%	0.20%
$150,000 – $999,999.99	0.25%	0.25%
$1,000,000+	0.30%	0.30%

Health Savings Account	Interest Rate	Annual Percentage Yield
$0 – $999.99	0.10%	0.10%
$1,000 – $2,499.99	0.15%	0.15%
$2,500 – $4,999.99	0.20%	0.20%
$5,000 – $14,999.99	0.25%	0.25%
$15,000 – $999,999.99	0.30%	0.30%

CD & IRA Accounts	Interest Rate	Annual Percentage Yield	Early Withdrawal Penalty
3 Mo CD & IRA	0.150%	0.150%	30 Days Interest
6 Mo CD & IRA	0.250%	0.250%	90 Days Interest
1 Yr CD & IRA	0.400%	0.400%	90 Days Interest
18 Mo CD & IRA	0.600%	0.600%	180 Days Interest
2 Yr CD & IRA	0.800%	0.800%	180 Days Interest
3 Yr CD & IRA	1.045%	1.050%	180 Days Interest
4 Yr CD & IRA	1.196%	1.200%	180 Days Interest
5 Yr CD & IRA	1.444%	1.450%	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	0.10%	0.10%
$25,000 – $49,999.99	0.15%	0.15%
$50,000 – $149,999.99	0.20%	0.20%
$150,000 – $999,999.99	0.25%	0.25%
$1,000,000+	0.30%	0.30%

Business MMA Sweep	Interest Rate	Annual Percentage Yield
$0 – $24,999.99	0.05%	0.05%
$25,000 – $49,999.99	0.10%	0.10%
$50,000 – $99,999.99	0.15%	0.15%
$100,000+	0.20%	0.20%

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.

Fees may reduce earnings. All types of CDs will have interest compounded on a daily basis from the day of deposit to day of withdrawal. Interest will be credited monthly. All types of CDs require a minimum deposit of $500 to be opened and to earn the advertised APY. Passbook (Psbk), Statement Savings (Stmt Saving), Health Savings Accounts, Christmas Clubs, Checking Accounts and Money Market Accounts opened in a branch office do not have a minimum deposit to open. NSB eSavings has a $25 minimum deposit to open and can only be opened online. Checking, Statement Savings and MMA opened online have a $25 minimum to open. The One Year Internet only CD has a $500 minimum to open online. Psbk/Stmt Savings and NSB eSavings has a $10 minimum to earn Annual Percentage Yield. MMA has a $20.00 minimum to earn Annual Percentage Yield. There is no minimum balance to earn APY on Health Savings Accounts, Interest Checking, Business NOW or Christmas Club.

Excluding CDs and IRAs, products listed are variable-rate accounts and your interest rate may change after you open your account.

Balance Computation Method/Daily Balance Method

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.

Withdrawal of Interest Prior to Maturity

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.

Renewal Policy

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.

Certificates of Deposit Transaction Restrictions

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.

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.