Rates Effective as of 1/6/12
 

Certificates of Deposit	Minimum Deposit	Dividend/ Interest Rate	APY*
91 Days	$1,000	0.30%	0.30%
6 Months	$1,000	0.45%	0.45%
1 Year	$500	0.70%	0.70%
18 Months	$500	0.85%	0.85%
2 Years	$500	1.10%	1.10%
3 Years	$500	1.60%	1.61%
4 Years	$500	1.70%	1.71%
5 Years	$500	2.15%	2.17%
Individual Retirement Accounts - 12 Months	$100	1.05%	1.05%
Individual Retirement Accounts - 18 Months	$100	1.39%	1.40%

*APY = Annual Percentage Yield

   

Checking and Savings	Minimum Balance	Dividend/ Interest Rate	APY*
WinFirst® Checking Account	$1,000	0.15%	0.15%
	$10,000	0.25%	0.25%
	$50,000	0.30%	0.30%
	$100,000	0.40%	0.40%
WinFirst® Plus Checking Account	$1,000	0.20%	0.20%
	$10,000	0.30%	0.30%
	$50,000	0.50%	0.50%
Money Market Deposit Account	$2,500	0.25%	0.25%
	$10,000	0.30%	0.30%
	$50,000	0.40%	0.40%
	$100,000	0.75%	0.75%
	$200,000	0.80%	0.80%
	$300,000	0.90%	0.90%
Passbook Savings Account	$100	0.35%	0.35%

*APY = Annual Percentage Yield

*APR = Annual Percentage Rate