*The number of transaction is limited by law; six withdrawals or debit transfers allowed per month and no more than six of them may be by check, draft, debit card, or similar order.  The number of checks is calculated by date paid.

**The Interest Rate on Variable Rate Accounts may change at any time at the banks discretion.

***See fee schedule.  Fees could reduce earnings.

^The interest rate is variable and can change on January 1, April 1, July 1, and October 1 after the account is opened. Tier 1 = 50% and Tier 2 = 65% of Wall Street Journal Prime Rate.