Rates

Effective as of November 5, 2014

Checking, Savings & MMI
AccountMinimum Opening BalanceInterest RateAPY*
Regular Checking $100 - N/A
Heritage Checking Account $100 - N/A
62 Yrs. and over Checking $100 - N/A
CSB BankClub Account $100 - N/A
NOW Account $1000 0.05% 0.05%
Christmas Club - 0.59% 0.59%
Passbook Savings Account $100 0.15% 0.15%
Money Market Investment Account $2000 0.20% 0.20%

*APY = Annual Percentage Yield

Disclosures

At our discretion, we may change the interest rate on your MMI, NOW, or Passbook Savings. Fees may reduce the earnings on your account. Early withdrawal penalties for Christmas Club: A penalty may be imposed for withdrawals before maturity.

Regular Certificates of Deposit
TermMinimum Opening BalanceInterest RateAPY*Compounded
7-31 Days**  $5000 0.11% 0.11% At Maturity
3 Months $500 0.24% 0.24% At Maturity
6 Months $500 0.31% 0.31% At Maturity
12 Months $500 0.49% 0.49% Semi-Annual
18 Months $500 0.59% 0.59% Semi-Annual
24 Months $500 0.83% 0.83% Semi-Annual
30 Months $500 0.88% 0.88% Semi-Annual
4 Years $500 1.08% 1.08% Semi-Annual
5 Years $500 1.33% 1.33% Semi-Annual

*APY = Annual Percentage Yield

**Rate for 7-31 Day CD is based on actual days

Disclosures

Early withdrawal penalties: A penalty may be imposed for withdrawals before maturity.

IRA Certificates of Deposit
TermMinimum BalanceInterest RateAPY*Compounded
12 Months none 0.70% 0.70% Semi-Annual

*APY = Annual Percentage Yield

Disclosures

Early withdrawal penalties: A penalty may be imposed for withdrawals before maturity.