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Business Banking Rates

Rates effective as of 12/01/2018

Business Checking

Product Name	Minimum Balance Requirement	APY*	Interest Rate	Method of Compounding
Free Business Interest Checking	$25	0.15%	0.15%	Monthly
Business Interest Checking	$10,000 to under $50,000	0.25%	0.25%	Monthly
-	$50,000 to under $100,000	0.35%	0.35%	Monthly
--	$100,000 to under $250,000	0.45%	0.45%	Monthly
---	$250,000 or more	0.50%	0.50%	Monthly
Business Relationship Checking	None	n/a	n/a	Earning Credit Allowance**

*Annual Percentage Yield (APY) is a variable rate and is based on the Average Daily Balance.
Free Business Interest Checking Account: Transaction fee of 50¢ for each transaction over 300. Transactions are deposits, deposited items, checks paid and all withdrawals, including electronic debits. Business Interest Checking Account: $15.00 monthly service fee waived by maintaining an average daily balance of $10.000. Transaction fee of 50¢ for each transaction over 750. Business Relationship Checking Account: $15.00 monthly service charge. 75¢ per deposit. 8¢ per item deposited. 20¢ per check paid with deposit.

**Earnings Credit Allowance is based on the 91-Day Treasury Bill Auction Rate as published in the Wall Street Journal on the last Thursday of the previous month. As of
November 29, 2018, the Treasury Bill Auction Rate was 2.32%.

Business Savings

Product Name	APY*	Interest Rate	Minimum Balance to Earn Interest
Regular Savings	0.10%	0.10%	$25

Business Money Market

Minimum Balance Requirement	APY*	Interest Rate
$0-$10,000	0.15%	0.15%
$10,000-under $50,000	0.25%	0.25%
$50,000 to under $100,000	0.35%	0.35%
$100,000 or more	0.45%	0.45%
Money Market-New Money Special**
$0-under $10,000	0.15%	0.15%
$10,000-under $50,000	0.25%	0.25%
$50,000-under $100,000	0.35%	0.35%
$100,000 or more	1.75%	1.74%

Business Certificate of Deposit

Terms	APY*	Interest Rate	Minimum Balance to Earn Interest	Minimum to Open
3 months	0.25%	0.25%	$25	$500
12 months	0.90%	0.90%	$25	$500
12 months - SPECIAL	2.35%	2.32%	$25	$500
18 months	1.40%	1.39%	$25	$500
18 months - SPECIAL	2.80%	2.76%	$25	$500
24 months	1.45%	1.44%	$25	$500
24 months - SPECIAL	2.90%	2.86%	$25	$500
27 months - SPECIAL	3.00%	2.96%	$25	$500
36 months	1.75%	1.73%	$25	$500
60 months	1.85%	1.83%	$25	$500

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