Account Rates

(Effective 05/14/13)

CDs / IRAs

Certificates of Deposit / IRAs

Term	Minimum Deposit*	Compounds	Interest Rate	APY**
3 Months	$1,000.00	Quarterly	0.20%	0.20%
6 Months	$1,000.00	Quarterly	0.30%	0.30%
9 Months	$1,000.00	Quarterly	0.40%	0.40%
12 Months***	$1,000.00	Quarterly	0.45%	0.45%
18 Months***	$1,000.00	Quarterly	0.60%	0.60%
24 Months***	$1,000.00	Quarterly	0.70%	0.70%
36 Months	$1,000.00	Quarterly	1.00%	1.00%
48 Months	$1,000.00	Quarterly	1.10%	1.10%
60 Months	$1,000.00	Quarterly	1.24%	1.25%

* Substantial Penalty For Early Withdrawal
** APY = Annual Percentage Yield
*** One Step Up available. Call for details.

IRA Plus

Balance			Compounds	Interest Rate	APY*
$0	-	$2,999.99	Quarterly	0.15%	0.15%
$3,000.00	-	$9,999.99	Quarterly	0.20%	0.20%
$10,000.00	-	$24,999.99	Quarterly	0.20%	0.20%
$25,000.00	-	$49,999.99	Quarterly	0.30%	0.30%
$50,000.00	-	$99,999.99	Quarterly	0.40%	0.40%
$100,000.00	+		Quarterly	0.60%	0.60%

* APY = Annual Percentage Yield

Checking

Smart E-Checking

Balance*			Compounds	Interest Rate	APY**	Service Charge
$0	-	$20,000.00	Monthly	1.98	2.00%	N/A
$20,000.01	+		Monthly	0.50%	0.50%	N/A

* To qualify for the Smart E-Checking rate and to be reimbursed for non F&M ATM transactions, you must meet the following requirements each month: (1) Ten checkcard transactions must post and clear per qualification cycle. (2) Receive your monthly statement electronically. (3) Set up at least one monthlydirect deposit or automatic payment must post and clear per qualification cycle (4) Access online banking at least once per qualification cycle. Qualification cycle means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. 0.50% APY will be paid on balances over $20,000. Account balances over $20,000 will earn a blended rate if all qualifications are met. If you do not meet the above requirements during your monthly qualification cycle, you will earn .05% APY on your entire balance. At our discretion, we may change the qualification requirements and/or the balance tier on your account at any time. A 30-day notice will be provided for either of these two changes. APYs accurate as of 6/14/12. All requirements waived during your first qualification cycle. No more than two accounts per person.
**APY = Annual Percentage Yield Variable Rate. Fees may reduce earnings.

VIP Interest Checking

Balance			Compounds	Interest Rate	APY*	Service Charge
$0	-	$499.99	Monthly	0.25%	0.25%	$8.00 if balance fall below $500.00 with no Direct Deposit
$500.00	+		Monthly	0.25%	0.25%	N/A

*APY = Annual Percentage Yield. Interest earned on total balance. At our discretion, we may change the balance tier on your account at any time. A 30-day notice will be provided for these changes. Fees may reduce earnings.

Choice Interest Checking

Balance			Compounds	Interest Rate	APY*	Service Charge
$0	-	$4,999.99	Monthly	0.10%	0.10%	$15.00 if balance falls below $5,000
$5,000.00	-	$24,999.99	Monthly	0.15%	0.15%	N/A
$25,000.00	-	$49,999.99	Monthly	0.20%	0.20%	N/A
$50,000.00	-	$99,999.99	Monthly	0.35%	0.35%	N/A
$100,000.00	+		Monthly	0.35%	0.35%	N/A

*APY = Annual Percentage Yield. Tiered interest - Interest earned on total balance. Rate is variable and earning are credited monthly. Fees may reduce earnings.

Money Market

Choice Money Market

Balance			Compounds	Interest Rate	APY*	Service Charge
$0	-	$9,999.99	Monthly	0.05%	0.05%	$12.00 if balance falls below $2,500.00
$10,000.00	-	$24,999.99	Monthly	0.15%	0.15%	N/A
$25,000.00	-	$49,999.99	Monthly	0.25%	0.25%	N/A
$50,000.00	-	$99,999.99	Monthly	0.35%	0.35%	N/A
$100,000.00	-	$199,999.99	Monthly	0.50%	0.50%	N/A
$200,000.00	+		Monthly	0.55%	0.55%	N/A

*APY = Annual Percentage Yield Variable rates. Fees may reduce earnings.

Savings

Regular Savings

Balance			Compounds	Interest Rate	APY*	Service Charge
$0	+		Quarterly	0.15%	0.15%	$12 per Quarter. Fee can be avoided if minimum daily balance of $500 is maintained. No service charge for customers age 50 and over.

*APY = Annual Percentage Yield. A variable interest rate is paid for balances over $500.00. There is a charge of $2.00 per withdrawal in excess of 3 per statement cycle. Fees may reduce earnings.

Youth Savings

Balance			Compounds	Interest Rate	APY*	Service Charge
$0	+		Quarterly	0.15%	0.15%	$2 for each withdrawl over 3 per quarter.

*APY = Annual Percentage Yield. Youth Savings for under age 20. Account pays interest on all balances. Rate is variable. Fees may reduce earnings.

Easy Save Account

Balance			Compounds	Interest Rate	APY*	Service Charge
$0	-	$24,999.99	Quarterly	0.50%	0.50%	$10 for each withdrawl over 3 per quarter.
$25,000.00	+		Quarterly	0.15%	0.15%

*APY = Annual Percentage Yield. Reverts to Regular Savings Rate without Automatic Transfer. Rate is variable. Fees may reduce earnings.

Health Savings Account

Balance			Compounds	Interest Rate	APY*	Service Charge
$0	+		Monthly	0.50%	0.50%	N/A*

*APY = Annual Percentage Yield. Account pays interest on all balances. By law, account requires a high deductible health insurance account. Unlimited withdrawals for qualified medical expenses. Rate is variable.

Institution NMLS ID #518158

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