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Deposit Rates

Savings1

$25.00 Minimum Balance to Open
Rates Effective: 01/16/2018

Type
Minimum to Earn APY
Interest Rate
APY
Statement Savings
$5.00
0.10%
0.10%
Passbook Savings
$5.00
0.10%
0.10%
18 Month Variable Rate Certificate of Deposit2 - deposits allowed during term
$25.00
0.45%
0.45%

Relationship Savings1, 3

$15,000.00 Minimum Balance to Open 0% Interest Earned on Balances < $1,000.00
Rates Effective: 01/16/2018

Tier
Minimum to Earn APY
Interest Rate
APY
$1,000.00 - $14,999.99
$1,000.00
0.10%
0.10%
$15,000.00 - $49,999.99
$15,000.00
0.30%
0.30%
$50,000.00 +
$50,000.00
0.50%
0.50%

Health Savings Account (HSA)1

$0.00 Minimum Balance to Open
Rates Effective: 01/16/2018

Tier
Minimum to Earn APY
Interest Rate
APY
$0.00 - $4,999.99
$0.00
0.35%
0.35%
$5,000.00 - $49,999.99
$5,000.00
0.50%
0.50%
$50,000.00 +
$50,000.00
0.75%
0.75%

Interest Checking1

$25.00 Minimum Balance to Open 0% Interest Earned on Balances < $500.00
Rates Effective: 01/16/2018

Tier
Minimum to Earn APY
Interest Rate
APY
$500.00 - $4,999.99
$500.00
0.05%
0.05%
$5,000.00 - $9,999.99
$5,000.00
0.15%
0.15%
$10,000.00 +
$10,000.00
0.15%
0.15%

Money Market Savings1

$2,500.00 Minimum Balance to Open 0% Interest Earned on Balances < $1,000.00
Rates Effective: 01/16/2018

Tier
Minimum to Earn APY
Interest Rate
APY
$1,000.00 - $2,499.99
$1,000.00
0.10%
0.10%
$2,500.00 - $9,999.99
$2,500.00
0.15%
0.15%
$10,000.00 - $49,999.99
$10,000.00
0.15%
0.15%
$50,000.00+
$50,000.00
0.20%
0.20%

Certificate of Deposit2

All terms also available for Individual Retirement Accounts (IRA)
Rates Effective: 01/16/2018

Terms
Interest Rate$1,000.00 Minimum to Open and Earn APY
APY
Interest Rate$100,000.00 Minimum to Open and Earn APY
APY
91 Days
0.20%
0.20%
0.25%
0.25%
5 Months
0.25%
0.25%
0.30%
0.30%
6 Months
0.30%
0.30%
0.35%
0.35%
9 Months
0.35%
0.35%
0.40%
0.40%
12 Months
0.55%
0.55%
0.60%
0.60%
13 Months
1.25%
1.25%
1.30%
1.30%
15 Months
0.75%
0.75%
0.80%
0.80%
16 Months
0.75%
0.75%
0.80%
0.80%
18 Months
0.80%
0.80%
0.85%
0.85%
24 Months
1.79%
1.80%
1.84%
1.85%
30 Months
1.20%
1.20%
1.25%
1.25%
3 Years
1.25%
1.25%
1.30%
1.30%
4 Years
1.99%
2.00%
2.03%
2.05%
5 Years
1.99%
2.00%
2.03%
2.05%

Deposit rates are subject to change without notice. Withdrawals and fees may reduce earnings. Interest is compounded daily and credited to the account on the second to the last day of each month. 1 The interest rate and annual percentage yield (APY) on variable rate accounts may change after the account is opened. 2 A penalty may be imposed for early withdrawal of principal prior to maturity from certificate accounts. The APY assumes that interest remains on deposit until maturity. 3 Relationship Checking account required; see deposit contract or ask a bank representative for specific terms.

‚ÄčAuto & Personal Loan Rates

Collateral Loan

Rates Effective: 01/16/2018

Loan Term
Interest Rate
APR
30 Years
Pledged a/c rate + 2.750%
Pledged a/c rate + 2.750%

Fixed Rate Personal Loan

Rates Effective: 01/16/2018

Loan Term
Interest RateWithout Discount
APR
Monthly Payment Per $1,000
Interest Rate With Auto-Pay Discount
APR
Monthly Payment Per $1,000
12 months
6.150%
6.150%
$86.14 Monthly
5.900%
5.900%
$86.02 Monthly
24 months
7.150%
7.150%
$44.84 Monthly
6.900%
6.900%
$44.73 Monthly
36 months
8.150%
8.150%
$31.41 Monthly
7.900%
7.900%
$31.29 Monthly
48 months
9.150%
9.150%
$24.96 Monthly
8.900%
8.900%
$24.84 Monthly
60 months
10.150%
10.150%
$21.32 Monthly
9.900%
9.900%
$21.20 Monthly

Loan amounts available from $500.00 to $10,000.00. Loan terms available from 12 months to 60 months in 6 month increments. Loan rate is discounted with automatic payment from a TSB deposit account; auto-pay must be maintained for the life of the loan.

Fixed Rate Overdraft Line of Credit

Rates Effective: 01/16/2018

Loan Term
Interest Rate
APR
Monthly Payment Per $1,000.
24 months
15.000%
15.000%
$48.49 Monthly

Line amounts available from $500.00 to $2,500.00.

Fixed Rate New Automobile Loan

Rates Effective: 01/16/2018

Loan Term
Interest RateWithout Discount
APR
Monthly Payment Per $1,000
Interest RateWith Auto-Pay Discount
APR
Monthly Payment Per $1,000
36 months or less
5.250%
5.250%
$30.08 Monthly
5.000%
5.000%
$29.97 Monthly
48 months or less
5.750%
5.750%
$23.37 Monthly
5.500%
5.500%
$23.26 Monthly
72 months or less
6.750%
6.750%
$16.93 Monthly
6.500%
6.500%
$16.81 Monthly

Vehicle not previously titled and has less than 12,000 miles. Loan amounts available from $2,500.00 to $40,000.00. Down payment of 20% of purchase price (no add-ons such as taxes, dealer prep) or 10% of purchase price (no add-ons) for term of 36 months or less. Loan rate is discounted with automatic payment from a TSB deposit account; auto-pay must be maintained for the life of the loan.

Fixed Rate Used Automobile Loan

Rates Effective: 01/16/2018

Loan Term
Interest RateWithout Discount
APR
Monthly Payment Per $1,000
Interest RateWith Auto-Pay Discount
APR
Monthly Payment Per $1,000
48 months or less used 2012 or newer with down payment of 20% of purchase price
6.250%
6.250%
$23.60 Monthly
6.000%
6.000%
$23.49 Monthly

Loan amounts available from $2,500.00 to $20,000.00. Down payment of 20% of purchase price or NADA average loan whichever is less. Loan rate is discounted with automatic payment from a TSB deposit account; auto-pay must be maintained for the life of the loan.