Personal Savings Accounts Current Rates, effective as of 1/14/10

For additional terms and conditions that apply to the account (such as - fees, minimum opening balance requirements and how interest is calculated), please see our deposit agreement and fee schedule for the account. Interest rates and Annual Percentage Yields (APYs) listed in this deposit rate sheet are effective on the date shown. The checking and savings accounts listed are variable rate accounts. Variable rate means that at our discretion, we may change the interest rate and APY on the account at any time. Fees could reduce earnings on an account. We may change this deposit rate sheet at our discretion at any time. We may add new accounts and amend or delete the existing accounts. We may change interest rates and APYs. We may add, delete or change terms and conditions. We may create new balance tiers or consolidate existing balance tiers.