RATES
Rates Effective as of May 10,2013


Certificates of Deposit
Term
Minimum Balance to Open Account
Interest Rate
Annual Percentage Yield
Minimum Balance to Obtain Stated APY
30 Day
$1,000.00
.100%
.100%
$1,000.00
6 Month
$1,000.00
.150%
.150%
$1,000.00
1 Year
$1,000.00
.31%
.31%
$1,000.00
2 Year
$1,000.00
.460%
.460%
$1,000.00
5 Year
$1,000.00
1.350%
1.350%
$1,000.00
Other terms and rates are available for more information please call: 865-483-9444.
Penalty for early withdrawal.


IRAs
Term
Minimum Balance to Open Account
Interest Rate
Annual Percentage Yield
Minimum Balance to Obtain Stated APY
1 Year Fixed
$500.00
.350%
.350%
$500.00
2 Year Fixed
$500.00
.500%
.500%
$500.00
2 Year Variable
$500.00
.400%
.400%
$500.00
Penalty for early withdrawal.


Money Market Accounts
Minimum Balance to Open Account
Interest Rate
Annual Percentage Yield
Minimum Balance to Obtain Stated APY
$2,500.00
.050%
.050%
$2,500.00
$10,000.00
.100%
.100%
$10,000.00
$50,000.00
.250%
.250%
$50.000.00
If the balance falls below $2,500, interest will be paid at the Interest checking rate.
Fees may reduce earnings on the account.
Rates may change after the account is opened.


Non-profit Accounts
Type
Minimum Balance to Open Account
Interest Rate
Annual Percentage Yield
Minimum Balance to Obtain Stated APY
Money Market
$10,000.00
.150%
.150%
$10,000.00
Checking
$100.00
.020%
0.020%
$100.00
Checking
$25,000.00 and Above
.150%
.150%
$25,000.00
If the balance of the non-profit Money Market account falls below $10,000, interest will be paid at the regular MMA rate.
Fees may reduce earnings on the account.
Rates may change after the account is opened.


Savings and Checking
Savings and Checking
Minimum Balance to Open Account
Interest Rate
Annual Percentage Yield
Minimum Balance to Obtain Stated APY
Regular Savings
$100.00 to open
.150%
.150%
$0.01
Christmas Club
$5.00 to open
.150%
.150%
$0.01
Gold Checking
$100.00 to open
.030%
.030%
$0.01
Business Bronze
$100.00 to open
.100%
.100%
$0.01
Business Silver
$500.00 to open
.250%
.250%
$0.01
Business Gold
$500.00 to open
.400%
.400%
$0.01
Fees may reduce earnings on the account.
Rates may change after the account is opened.


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