Savings Rates

We keep our rates posted online as a convenience to our customers when making financial decisions.  Feel free to use our financial calculators to help you weigh your options, and you can apply online for accounts and credit. Realize rates are subject to change, so when in doubt, please contact us.

| Checking Rates | Savings Rates | Money Market & Health Savings Account Rates |
| Investor Account Rates | IRA Rates | CD Rates |

Rates and Annual Percentage Yields (APY) are accurate as of 9/4/2012.
The interest rates and tiered annual percentage yields listed below are variable and subject to change weekly at our discretion. Fees may reduce earnings. Please contact the bank with questions.

  PANDA
PALS
LIFELINE SAVINGS STATEMENT SAVINGS
Current Interest Rate 0.06 0.06 0.06
Annual Percentage Yield (APY) 0.06 0.06 0.06
Minimum Balance to Obtain APY $1.00 $50.00 $50.00
Fixed or Variable Rate Variable Variable Variable
Interest Compounding Frequency Quarterly Quarterly Quarterly
Interest Crediting Quarterly Quarterly Quarterly
Interest Rate Changes Weekly Weekly Weekly
Statement Cycles Quarterly Quarterly Quarterly
Minimum Deposit to Open Account $1.00 $25.00 $25.00
Minimum Daily Balance to Avoid Monthly Fall Below Fee N/A $50.00 $200.00
Monthly Fall Below Fee* $0.00 $2.00 $2.00
Debit Item Fee** $0.00 $0.50 $5.00
* Fall Below Fee only applies if account falls below daily minimum balance.
** Debit Item Fee assessed for each withdrawal in excess of six(6) processed during each calendar month. For Lifeline Savings this fee only applies if account falls below daily minimum balance, and debit item exceeds six(6) per month.

Please review our Service Fees Schedule for any additional fees that may apply.