Deposit Rates
INSURED IN FULL BY FDIC AND DIF

Statement Savings Account

$10

.05%

.05%

Bulldog Savings Account

$10

.05%

.05%

Bulldog Checking Account

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Heritage Savings

$10

.05%

 .05%

Heritage Checking Account

$10

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N.O.W Account

$10.00 to $999.99
$1,000.00 to $7,499.99
$7,500.00 to $14,999.99
$15,000.00 and higher

.02%
.02%
.02%
.02%

.02%
.02%
.02%
.02%

$0

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Advantage Money Market

$.01 to $24,999.99
$25,000.00 to $49,999.99
$50,000.00 to $99,999.00
$100,000.00 to $249,999.99
$250,000.00 and higher

.05%
.10%
.15%
.20%
.20%

.05%
.10%
.15%
.20%
.20%

Rates on the above accounts may change after the account is opened. 
Statement Savings requires a $250 minimum daily balance
to avoid a service charge of $1.
Advantage Money Market requires a $1,000 minimum daily balance
to avoid a service charge of $5.

CERTIFICATES OF DEPOSIT (CDs)
INSURED IN FULL BY FDIC AND DIF

91 Day Term Certificate*

$5,000 / $1,000

.10%

.10%

CERTIFICATES OF DEPOSITS (CDs)
INSURED IN FULL BY FDIC AND DIF

6 Month Term Certificate*

$1,000

.15%

.15%

1 Year Term Certificate*

$1,000

.25%

.25%

18 Month Term Certificate*

$1,000

1.00%

1.00%

2 Year Term Certificate*

$1,000

.40%

.40%

3 Year Term Certificate*

$1,000

.65%

.65%

3 Year Term Certificate -Special*

$10,000

1.24%

1.25%

4 Year Term Certificate*

$1,000

1.00%

5 Year Term Certificate*

$1,000

1.14%

1.15%

INDIVIDUAL RETIREMENT ACCOUNTS (IRAs) and
COVERDELL EDUCATION SAVINGS ACCOUNT
INSURED IN FULL BY FDIC AND DIF

IRA Savings

$10

.05%

.05%

1 Year Term Certificate*

$1,000

.25%

.25%

18 Month Term Certificate*

$1,000

.40%

.40%

18 Month Term Certificate - Special*

$2,000

1.00%

1.00%

2 Year Term Certificate*

$1,000

.40%

.40%

3 Year Term Certificate*

$1,000

.65%

.65%

3 Year Term Certificate - Special*

$2,000

1.24%

1.25%

4 Year Term Certificate*

$1,000

1.00%

1.00%

5 Year Term Certificate*

$1,000

1.14%

1.15%

Fees could reduce the earnings on these accounts.
Rates are guaranteed for the length of the term on all fixed accounts.
Minimum balance to earn APY for these accounts is $10 
*Annual Percentage Yields (APY) as of 4/30/13.
Early withdrawal penalties may be imposed. 
Rates are subject to change without notice.