February 2, 2012

Certificates of Deposit Rates**
Min 2,500.00 to open and to obtain APY

Term	Rate*	APY
3 Months	.10	.10
6 Months	.20	.20
12 Months	.30	.30
18 Months	.40	.40

* Interest monthly by deposit into Bank of Cleveland account, recompute APY. Interest check at maturity only.
** Penalty for early withdrawal.

Checking Interest Rates*

Description	Amount to earn APY	Rate	APY
Interest Checking	1,500 to 9,999	0.01	0.01
	10,000 or More	0.15	0.15
Premiere Checking	1,500 to 9,999	0.01	0.01
	10,000 or More	0.15	0.15
Premiere Gold Checking	1,500 to 9,999	0.01	0.01
	10,000 or More	0.15	0.15
Classic Savings	0 to 499	0.05	0.05
	500 or More	0.05	0.05
Youth Savings	No Minimum	0.05	0.05
Money Market	5,000 to 24,999	0.05	0.05
	25,000 to 49,999	0.05	0.05
	50,000 or More	0.10	0.10
Premium Money Market	5,000 to 24,999	0.05	0.05
	25,000 to 49,999	0.05	0.05
	50,000 to 99,999	0.10	0.10
	100,000 or More	0.20	0.20

*Fees may reduce earnings.

Individual Retirement Account Rates*

Term	Rate	APY
12 Months	.30	.30
18 Months	.40	.40

$2,500 minimum deposit to earn APY
* Penalty for early withdrawal.

Rates are accurate as of effective date, however rates may change.
APY equals Annual Percentage Yield. Call 478-5656 for latest rate information.

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