Deposit Rates

Account Type Interest
Rate
Annual Percentage Yield Minimum
Deposit
To Open
Minimum Balance To Obtain APY**
Passbook Savings 0.03% 0.03% $10.00 $10.00
IRA Passbook Savings 0.35% 0.35% $250.00 $10.00
Statement Savings 0.05% 0.05% $100.00 $100.00
Peak Money Market1 0.25% 0.25% $2,500.00 $2,500.00
  0.35% 0.35% $2,500.00 $25,000.00
  0.40% 0.40% $2,500.00 $50,000.00
  0.45% 0.45% $2,500.00 $75,000.00
Milestone Money Market2 0.10% 0.10% $75,000.00 $1,000.00
  0.85% 0.85% $75,000.00 $75,000.00
Premier Money Market6 0.10% 0.10% $75,000.00 $1,000.00
  1.74% 1.75% $75,000.00 $75,000.00
Summit Statement Savings 0.03% 0.03% $1,000.00 $10,000.00
  0.05% 0.05% $1,000.00 $25,000.00
  0.10% 0.10% $1,000.00 $50,000.00
Pinnacle Checking 0.05% 0.05% $75,000.00 $10,000.00
  0.10% 0.10% $75,000.00 $75,000.00
NOW Checking 0.03% 0.03% $300.00 $300.00
Local Interest Checking3 1.05% 1.05% $300.00 $300.00
91 Day CD 0.05% 0.05% $2,500.00 $2,500.00
5 Month CD 0.10% 0.10% $1,000.00 $1,000.00
182 Day CD 0.15% 0.15% $2,500.00 $2,500.00
9 Month CD 0.25% 0.25% $2,500.00 $2,500.00
10 Month CD 2.32% 2.35% $2,500.00 $2,500.00
1 Year CD 0.60% 0.60% $1,000.00 $1,000.00
18 Month Nest Egg CD 0.35% 0.35% $500.00 $500.00
18 Month CD 0.35% 0.35% $1,000.00 $1,000.00
IRA 18 Month CD 0.35% 0.35% $500.00 $500.00
19 Month Bump-Up CD4 2.62% 2.65% $1,000.00 $1,000.00
2 Year CD 0.65% 0.65% $1,000.00 $1,000.00
30 Month Bump-Up CD4 2.23% 2.25% $1,000.00 $1,000.00
3 Year CD 1.24% 1.25% $1,000.00 $1,000.00
IRA 36 Month CD 1.24% 1.25% $1,000.00 $1,000.00
4 Year CD 1.84% 1.85% $1,000.00 $1,000.00
5 Year CD 1.98% 2.00% $1,000.00 $1,000.00
IRA 5 Year CD 1.98% 2.00% $1,000.00 $1,000.00
Business First Checking5   0.05% 0.05% $2,500.00 $2,500.00
  0.15% 0.15% $2,500.00 $25,000.00
  0.25% 0.25% $2,500.00 $50,000.00
  0.40% 0.40% $2,500.00 $75,000.00
Eagle Money Fund 0.05% 0.05% $1,000.00 $2,500.00
Eagle Business Savings 0.25% 0.25% $500.00 $500.00
  0.30% 0.30% $500.00 $10,000.00

A penalty may be imposed for early withdrawal on certificate accounts. Fees could reduce earnings on Savings, Pinnacle Checking, NOW, IRA, and Eagle Money Fund accounts. Rates are subject to change without notice.

1 A minimum balance fee of $5.00 will be imposed every statement cycle if the daily balance falls below $2,500 any day of the statement cycle. You may only make 6 pre-authorized transfers from your account each statement period. During any statement cycle, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of preauthorized, automatic, telephone, computer, mobile, check or debit card. If you close your account within the first 6 months you will be charged a $25.00 fee.

Minimum deposit required to open the account and earn the stated Annual Percentage Yield (APY) is $75,000. If the balance falls below $75,000, the APY will default to 0.10 % APY. Limit 6 withdrawals or transfers per statement cycle. See account disclosure document for complete account information and requirements.

3 The 1.05% Annual Percentage Yield is effective as of January 8, 2014 and is subject to change without notice. Minimum opening deposit is $300. If the account balance falls below $300 at anytime during the statement cycle, a service charge of $10 will apply, no foreign ATM fees will be waived and the interest on the full balance will be paid at .03% with .03% APY. Effect of fees could reduce the earnings on this account. Balances over $25,000 will be paid .03% APY. 12 FSB debit card and/or ATM posted transactions required per statement cycle. Monthly posted direct deposit and eStatements required.

4 Your interest rate and APY may increase once during the term at your discretion and upon notifying FSB. The "bump-up" rate will be based on the current CD rate offering at that time.

5 If the account falls below $2,500 any time during the statement cycle, a service charge of $15.00 will apply. An excess item fee of $0.20 per item will apply for items in excess of 250 any time during the statement cycle.

Minimum deposit required to open the account and earn the stated Annual Percentage Yield (APY) is $75,000. If the balance falls below $75,000, the APY will default to 0.10 % APY. Limit 6 withdrawals or transfers per statement cycle. For existing customers, $25,000 of the $75,000 minimum balance requirement to open the account must consist of new, non-FSB deposits. See account disclosure document for complete account information and requirements.

**Daily Balance (the amount of principal in the account each day).