CERTIFICATES OF DEPOSIT
 Minimum to OpenInterest Rate**Annual Percentage Yield (APY)Service ChargeAverage Balance to Avoid Service Charge
91 Day Certificate of Deposit*$2,5000.10 %0.10 %N/AN/A
91 Day Certificate of Deposit*$10,0000.12 %0.12 %N/AN/A
182 Day Certificate of Deposit*$2,5000.15 %0.15 %N/AN/A
1 Year Certificate of Deposit*$5000.19 %0.19 %N/AN/A
2 Year Certificate of Deposit$5000.35 %0.35 %N/AN/A
3 Year Certificate of Deposit$5000.57 %0.57 %N/AN/A
4 Year Certificate of Deposit$5000.75 %0.75 %N/AN/A
Diploma Dollars$5000.75 %0.75 %N/AN/A
*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 OpenInterest Rate**Annual Percentage Yield (APY)Service ChargeAverage Balance to Avoid Service Charge
1 Year IRA Variable$250.19 %0.19 %N/AN/A
2 Year IRA (Fixed)$5000.35 %0.35 %N/AN/A
4 Year IRA (Fixed)$5000.75 %0.75 %N/AN/A

MONEY MARKET ACCOUNTS1
Minimum to OpenInterest Rate**Annual Percentage Yield (APY)Service ChargeAverage Balance to Avoid Service Charge
Money Market Checking$1,000  $6$1,000
$0 - $24,999.99 0.05 %0.05 %  
$25,000 and Above 0.08 %0.08 %  
Money Market Premium$10,000  $10$10,000
$0 - $9,999.99 0.01 %0.01 %  
$10,000 - $24,999.99 0.07 %0.07 %  
$25,000 - $49,999.99 0.10 %0.10 %  
$50,000 and Above 0.15 %0.15 %  
Money Market Platinum Checking$25,000  $10$25,000
$0 - $24,999.99 0.01 %0.01 %  
$25,000 - $49,999.99 0.10 %0.10 %  
$50,000 - $89,999.99 0.20 %0.20 %  
$90,000 and Above 0.30 %0.30 %  

CHECKING ACCOUNTS1
Minimum to OpenInterest Rate**Annual Percentage Yield (APY)Service ChargeAverage Balance to Avoid Service Charge
NOW Checking$1,000  $7$1,000
$0 - $2,499.99 0.01 %0.01 %  
$2,500 and Above 0.02 %0.02 %  
Health Savings Account (HSA)$25  $5$1,000
$0 - $999.99 0.00 %0.00 %  
$1,000.00 - $9,999.99 0.06 %0.06 %  
$10,000.00 - $49,999.99 0.16 %0.16 %  
$50,000.00 and Above 0.26 %0.26 %  

SAVINGS ACCOUNTS1
Minimum to OpenInterest Rate**Annual Percentage Yield (APY)Service ChargeAverage Balance to Avoid Service Charge
Basic Savings$200  $2.00*** 
$0 - $39.99 0.00 %0.00 %  
$40 and Above 0.03 %0.03 %  
Homeowners Savings$1  NANA
Account Balance $0 and Above 0.15 %0.15 %  
Holiday Club Account$5  NANA
With Automatic Deposit 0.25 %0.25 %  
***Service Charge waived for customers 50 years or better or under the age of 18.

1 Rate may change after account is opened. Fees may reduce earnings on the account.
RATES AND TERMS ARE SUBJECT TO CHANGE. PENALTY FOR EARLY WITHDRAWAL APPLIES TO CD, IRA AND HOLIDAY CLUB ACCOUNTS.