Current Deposit Rates Rates effective unless otherwise noted. Checking Accounts Savings Accounts Club Accounts (Kids, Christmas, Vacation) Money Market Accounts Certificates of Deposit (CDs) Individual Retirement Accounts (IRAs) IOLTA Accounts

Checking Accounts

Chairman's Choice Checking Account

Account Type	Interest Rate	APY
Premium Rate
$0 - $25,000	0.10%	0.10%
$25,001 & Over	0.05%	0.05%

Traditional Interest Checking Accounts

Account Type	Interest Rate	APY
Peoples Checking**	0.05%	0.05%
Community Checking**	0.07%	0.07%
New Freedom**	0.05%	0.05%

New Freedom Choice (High Interest Checking)

Account Type	Interest Rate	APY
Premium Rate
$0 - $25,000	0.10%	0.10%
$25,001 & Over	0.05%	0.05%
Standard Rate
$1,000 & Over	0.05%	0.05%

Savings Accounts

Savings Accounts

Account Type	Interest Rate	APY
Statement Savings**	0.05%	0.05%
Health Savings Account**	0.10%	0.10%

Club Accounts

Christmas Club

Account Type	Interest Rate	APY
Coupon Book	0.07%	0.07%
Auto Transfer	0.10%	0.10%

Kids Club

Account Type	Interest Rate	APY
$0.00-$500.00	0.25%	0.25%
$501.00 & Over	0.05%	0.05%

Vacation Club

Account Type	Interest Rate	APY
Vacation Club	0.05%	0.05%

Money Market Accounts

Traditional Money Market Accounts

Account Type	Interest Rate	APY
Money Market Deposit Account**	0.10%	0.10%

Premium Money Market Accounts

Account Type	Interest Rate	APY
$.01 - 24,999.99	0.10%	0.10% - 0.10%
$25,000.00 - 49,999.99	0.10%	0.10% - 0.10%
$50,000.00 - 99,999.99	0.15%	0.10% - 0.13%
$100,000.00 - 249,999.99	0.15%	0.13% - 0.14%
$250,000.00 - $499,999.99	0.20%	0.14% - 0.17%
$500,000.00 and Over	0.25%	0.17% - 0.20%* *(APY calculation is based on assumed deposit of $750,000)

Certificates of Deposit (CDs)

Certificates of Deposit (CDs)

Account Type	Interest Rate	APY
7-31 Day Certificate	0.05%	0.05%
32-181 Day Certificate	0.05%	0.05%
6 Month Certificate	0.05%	0.05%
12 Month Certificate	0.10%	0.10%
15 Month Certificate	0.10%	0.10%
15 Month Bump-Up CD	0.10%	0.10%
18 Month Certificate	0.15%	0.15%
24 Month Certificate	0.20%	0.20%
30 Month Certificate	0.20%	0.20%
36 Month Certificate	0.25%	0.25%
48 Month Certificate	0.30%	0.30%
60 Month Certificate	0.35%	0.35%

Individual Retirement Accounts (IRAs)

Account Type	Interest Rate	APY
12 Month IRA	0.10%	0.10%
18 Month IRA	0.15%	0.15%
24 Month IRA	0.20%	0.20%
30 Month IRA	0.20%	0.20%
36 Month IRA	0.25%	0.25%
48 Month IRA	0.30%	0.30%
60 Month IRA	0.35%	0.35%
Variable Rate Savings IRA**	0.07%	0.07%

IOLTA Accounts

Traditional Money Market Accounts

Account Type	Interest Rate	APY
IOLTA-TN **	0.05%	0.05%
IOLTA-VA **	0.05%	0.05%
IOLTA-WV **	0.05%	0.05%

Rates effective unless otherwise noted.

** Variable Rate Account - Rates may change after accounts are opened. Note regarding CDs:
1. Fees and withdrawals could reduce the earnings on accounts.
2. A penalty may be imposed for early withdrawal.
3. CD interest will be compounded daily.
*APY = Annual Percentage Yield. Our rates are updated weekly.