Updated  October 19, 2011

INTEREST BEARING ACCOUNTS
MonuMINT Checking	RATE	APY
Under $2,500	.250%	.250%
$2,500 - $9,999.99	..250%	.250%
$10,000 - $49,999.99	.349%	.350%
$50,000 - $94,999.99	.349%	.350%
$95,000 & over	.349%	.350%
MonuMINT Savings	RATE	APY
Under $2,500	.499%	.500%
$2,500 - $9,999.99	.499%	.500%
$10,000 - $49,999.99	.598%	.600%
$50,000 - $94,999.99	.598%	.600%
$95,000 & over	.598%	.600%
EconoMINT Savings	RATE	APY
All balances	..499%	.499%
ManageMINT Savings	RATE	APY
Under $2,500	.499%	.500%
$2,500 - $9,999.99	.499%	.500%
$10,000 - $49,999.99	.598%	.600%
$50,000 - $94,999.99	.598%	.600%
$95,000 & over	.598%	.600%

Deposit Account Features:

• Interest compounds daily
• Interest credited monthly
• Statements produced monthly 
• Variable Rate Accounts - rate on accounts may change after the account has opened

CERTIFICATES OF DEPOSIT
TERM	Under $2,500		$2,500 - $9,999.99		$10,000 - $49,999.99		$50,000 - $94,999.99		$95,000 & over
	RATE	APY	RATE	APY	RATE	APY	RATE	APY	RATE	APY
3 Months	.250%	.250%	..250%	.250%	.250%	.250%	.250%	.250%	.250%	.250%
6 Months	.250%	.250%	.250%	.250%	.250%	.250%	.250%	.250%	.250%	.250%
12 Months	.598%	.600%	.598%	.600%	.598%	.600%	.598%	.600%	.598%	.600%
12 Month Variable IRA	.598%	.600%	.598%	.600%	.598%	.600%	.598%	.600%	.598%	.600%
24 Months	.995%	1.000%	.995%	1.000%	.995%	1.000%	.995%	1.000%	.995%	1.000%
30 Months	1.143%	1.150%	1.143%	1.150%	1.143%	1.150%	1.143%	1.150%	1.143%	1.150%
36 Months	1.292%	1.300%	1.292%	1.300%	1.292%	1.300%	1.292%	1.300%	1.292%	1.300%
48 Months	1.587%	1.600%	1.587%	1.600%	1.587%	1.600%	1.587%	1.600%	1.587%	1.600%
60 Months	1.882%	1.900%	1.882%	1.900%	1.882%	1.900%	1.882%	1.900%	1.882%	1.900%

CD Account Features:

• Interest compounds daily
• Interest may be paid: monthly, quarterly, annually or at maturity (if term is less than 1 year)
• Interest made paid by:
  * Added back to the certificate
  * Deposit to an account
  * Check
• Minimum deposit to open CD - $1,000
• NOTE – substantial penalty for early withdrawal

IRA Account Features:

• Same rate and maturity options as CD’s
• 1 Year Variable Rate IRA CD also available
• Interest is credited to the IRA account monthly
• Flexible retirement distributions available
• No penalty for retirement withdrawal distributions

All Accounts

• APY is an abbreviation for Annual Percentage Yield
• All rates shown are in effect on the date viewed.  Rates may change as early as the next day.