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Federal Savings Bank Deposit Rates

Annual Percentage Yields (APYs) are effective as of 4/23/2014

Account Type Interest Rate Annual Percentage Yield Minimum Deposit To Open Minimum Bal.**
To Obtain APY
Passbook Savings 0.03% 0.03% $10.00 $10.00
Statement Savings 0.05% 0.05% $100.00 $100.00
Summit Statement Savings 0.03% 0.03% $1,000.00 $10,000.00
0.05% 0.05% $25,000.00
0.10% 0.10% $50,000.00

Pinnacle Checking

0.05% 0.05%

$75,000.00

$10,000.00
0.10% 0.10% $75,000.00
NOW Checking 0.03% 0.03% $300.00 $300.00
Local Interest Checking* 1.05% 1.05% $300.00 $300.00
91 Day Certificate 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 Certificate 0.15% 0.15% $2,500.00 $2,500.00
9 Month Certificate 0.25% 0.25% $2,500.00 $2,500.00
1 Year Certificate 0.25% 0.25% $1,000.00 $1,000.00
18 Month Nest Egg CD 0.45% 0.45% $500.00 $500.00
18 Month Certificate 0.35% 0.35% $1,000.00 $1,000.00
IRA 18 Month Certificate 0.35% 0.35% $500.00 $500.00
2 Year Certificate 0.45% 0.45% $1,000.00 $1,000.00
30 Month Bump-Up Certificate** 0.45% 0.45% $1,000.00 $1,000.00
3 Year Certificate 0.60% 0.60% $1,000.00 $1,000.00
IRA 36 Month Certificate 0.60% 0.60% $1,000.00 $1,000.00
4 Year Certificate 0.70% 0.70% $1,000.00 $1,000.00
5 Year Certificate 0.95% 0.95% $1,000.00 $1,000.00
Eagle Money Fund 0.05% 0.05% $1,000.00 $2,500.00
Eagle Business Manager 0.05% 0.05% $1,000.00 $10,000.00
0.10% 0.10% $50,000.00

Rates are subject to change without notice.

A penalty may be imposed for early withdrawal on certificate accounts. Fees could reduce earnings on Savings, Pinnacle Checking, NOW, IRA, andEagle Money Fund accounts.

*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.

**Your interest rate and APY may increase once during the 30-month term at your discretion and upon notifying FSB. The "bump-up" rate will be based on the current 30-month CD rate offering at that time.

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

Find out what Member FDIC really means.

Notice of Expiration of the Temporary Full FDIC Insurance Coverage for Noninterest-bearing transaction accounts

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC).

Beginning on January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category. 

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html

FOR MORE INFORMATION CALL FEDERAL SAVINGS BANK AT 1-800-462-2265.