	Minimum to Open	Interest Rate**	Annual Percentage Yield (APY)
91 Day Certificate of Deposit*	$2,500	0.12 %	0.12 %
91 Day Certificate of Deposit*	$10,000	0.15 %	0.15 %
182 Day Certificate of Deposit*	$2,500	0.17 %	0.17 %
1 Year Certificate of Deposit*	$500	0.23 %	0.23 %
2 Year Certificate of Deposit	$500	0.44 %	0.44 %
3 Year Certificate of Deposit	$500	0.68 %	0.68 %
4 Year Certificate of Deposit	$500	1.01 %	1.01 %
Diploma Dollars	$500	1.28 %	1.28 %

*Interest paid at maturity. (Terms 2, 3 & 4 Year - Paid Annually)
** Prime Time Plus customers earn an additional 0.10%. The Prime Time Plus rate increase is not applicable with any other DMB special rate promotion.

INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)

	Minimum to Open	Interest Rate**	Annual Percentage Yield (APY)
1 Year IRA Variable	$25	0.23 %	0.23 %
2 Year IRA (Fixed)	$500	0.44 %	0.44 %
4 Year IRA (Fixed)	$500	1.01 %	1.01 %

MONEY MARKET ACCOUNTS

	Minimum to Open	Interest Rate**	Annual Percentage Yield (APY)
Money Market Checking	$1,000
$0 - $24,999.99		0.10 %	0.10 %
$25,000 and Above		0.20 %	0.20 %
Money Market Premium	$10,000
$0 - $9,999.99		0.10 %	0.10 %
$10,000 - $24,999.99		0.20 %	0.20 %
$25,000 - $49,999.99		0.30 %	0.30 %
$50,000 and Above		0.45 %	0.45 %
Money Market Platinum Checking	$25,000
$0 - $24,999.99		0.10 %	0.10 %
$25,000 - $49,999.99		0.15 %	0.15 %
$50,000 - $89,999.99		0.30 %	0.30 %
$90,000 and Above		0.70 %	0.70 %

CHECKING ACCOUNTS

	Minimum to Open	Interest Rate**	Annual Percentage Yield (APY)
NOW Checking	$1,000
$0 - $2,499.99		0.05 %	0.05 %
$2,500 and Above		0.10 %	0.10 %
Health Savings Account (HSA)	$25
$0 - $999.99		0.00 %	0.00 %
$1,000.00 - $9,999.99		0.25 %	0.25 %
$10,000.00 - $49,999.99		0.55 %	0.55 %
$50,000.00 and Above		0.75 %	0.75 %

SAVINGS ACCOUNTS

	Minimum to Open	Interest Rate**	Annual Percentage Yield (APY)
Basic Savings	$200
$0 - $39.99		0.00 %	0.00 %
$40 and Above		0.10 %	0.10 %
Homeowners Savings	$1
Account Balance $0 and Above		0.26 %	0.26 %
Holiday Club Account	$5
With Automatic Deposit		0.55 %	0.55 %

***Service Charge waived for customers 50 years or better or under the age of 18.