Personal Savings	Premium Money Market	Certificates of Deposit	Flex 24 Certificate of Deposit	Prime Rate Certificates of Deposit
Minimum Opening Deposit	$50	$1,000	$1,000	$1,000	$1,000 additional deposits allowed
Maintenance Fee3	$5 fee waived with $200 daily minimum balance or Savers under age 21	$10 fee waived with $1,000 daily minimum balance	None	None	None
Interest Earned	Interest earned on balances of $25 or more	Interest earned on balances of $1,000 or more with special tiered rates	Interest rates determined by time and amount invested	Fixed rate with a one-time option to change interest rate during original term	Interest rate varies based on the prime rate10
Withdrawal Limitations	6 per statement cycle, then $3 per withdrawal11	6 per statement cycle, then $10 per withdrawal11	Penalties may apply	Penalties may apply	Penalties may apply

3.Maintenance fee per statment cycle.

10. Prime Rate as defined in The Wall Street Journal.

11. Federal Regulation limits the number of withdrawals to 6 per statement cycle. Additional limits may apply per your account disclosures. Excessive withdrawals from Personal Savings, or Premium Money Market accounts may result in the account being converted to a NOW account which is set up for transactional purposes.