Savings

Business Savings Details01-01-09
Account Features	Business Savings	Business Money Market	Certificates of Deposit
Minimum Opening Deposit	$5	$10,000	$1,000
Minimum Balance to Avoid Monthly Service Fee	$0	$1,000 daily minimum balance	$0
Monthly Service Fee	$0	$101	$0
Competitive Interest Rate	Compounded daily	Compounded daily (tiered interest)	Compounded daily
Interest paid	Monthly	Monthly	Monthly
Online Banking	Free	Free	Free
Special Account Features	Unlimited withdrawals in person or ATM	Unlimited withdrawals in person or ATM	Terms from 3 to 60 months
	Free overdraft protection when linked to any OnPoint Business Checking account3	Free overdraft protection when linked to any OnPoint Business Checking account3	Additional deposits allowed
	Access funds with Visa Debit Card for Business	Access funds with Visa Debit Card for Business	Booster rate2
1If daily minimum balance of $1,000 is not met, the monthly service charge is $10. 2Booster Rate Certificate of Deposit available on 12-month term only. You may elect to adjust your rate, based on the rate currently offered for this account, once during the original term of the Certificate of Deposit. Booster rates feature excludes promotional rate offers. 3Subject to transaction limits and funds availability.

Click here to read the Truth-in-Savings Disclosures.
Click here to read the Annual Withdrawal Certificate of Deposit Truth-in-Savings Disclosure.

Business Savings and Money Market Accounts come with the following free services:

Online Banking
Check account balances, transfer funds, pay bills and more anywhere that has Internet access.

Visa® Check Card
Lets you get cash from almost any ATM and doubles as a debit card, which you can use everywhere Visa is accepted.

Account access at thousands of ATMs nationwide.
OnPoint offers access to over 37,000 surcharge-free OnPoint, CO-OP and MoneyPass ATMs across the country.

Business Savings RatesRates Effective: September 1, 2010
	Deposit Amount	Annual Percentage Yield (APY)
Business Savings	$0 - $2,499.99	0.10%
	$2,500 - $9,999.99	0.10%
	$10,000 - $24,999.99	0.20%
	$25,000 - $49,999.99	0.30%
	$50,000 - $99,999.99	0.40%
	$100,000+	0.50%
Business Money Market	$0 - $4,999.99	0.00%
	$5,000 - $9,999.99	0.10%
	$10,000 - $24,999.99	0.35%
	$25,000 - $49,999.99	0.45%
	$50,000 - $99,999.99	0.55%
	$100,000 - $249,999	0.75%
	$250,000+	0.85%
Business Certificates of Deposit	See Business Certificates of Deposit Rate Sheet	See Business Certificates of Deposit Rate Sheet