Annual Percentage Yields (APYs) are effective for accounts opened as of
Tuesday, April 1, 2014

Interest Bearing Checking Accounts
Account Type Minimum Balance to Open Account Minimum Balance to Obtain APY Interest Rate APY Interest Compounding & Crediting Frequency
Now Checking* $1,200.00 $1,200.00 0.05% 0.05% Monthly
Now Checking * REVERSION $1,200.00 $0.00 to $1,199.99 0.00% 0.00% Monthly
Super NOW Checking* $2,500.00 $2,500.00 0.10% 0.10% Monthly
Super NOW Checking* REVERSION $2,500.00 $0.00 to $2,499.99 0.05% 0.05% Monthly
Infinity Checking Tier 1*, $1,200.00 - $2,499.99 $0.00 $0.00 0.05% 0.05% Monthly
Infinity Checking Tier 2*, $2,500.00 - $19,999.99 $0.00 $0.00 0.10% 0.10% Monthly
Infinity Checking Tier 3*, $20,000.00 - $249,999.99 $0.00 $0.00 0.10% 0.10% Monthly
Infinity Checking Tier 4*, Greater than $250,000.00 $0.00 $0.00 0.10% 0.10% Monthly
Fees charged against the account may reduce customer earnings. Please ask us for our brochure, "Your Deposit Account," for additional details concerning these types of accounts. *The rate may change after the account is opened.

Savings Accounts
Account Type Minimum Balance to Open Account Minimum Balance to Obtain APY Interest Rate APY Interest Compounding & Crediting Frequency
Passbook Savings* $100.00 $0.01 0.10% 0.10% Quarterly
Statement Savings* $100.00 $0.01 0.10% 0.10% Monthly
Money Market Investment* $2,500.00 $2,500.00 0.10% 0.10% Monthly
Money Market Investment* REVERSION $2,500.00 $0.00 to $2,499.99 0.05% 0.05% Monthly
Super Saver Tier 1* $20,000.00 $0.00 - $19,999.99 0.00% 0.00% Monthly
Super Saver Tier 2* $20,000.00 $20,000 - $99,999.99 0.10% 0.10% Monthly
Super Saver Tier 3* $20,000.00 $100k - $999,999.99 0.10% 0.10% Monthly
Super Saver Tier 4* $20,000.00 $1M - $1,999,999.99 0.10% 0.10% Monthly
Super Saver Tier 5* $20,000.00 > $2,000,000.00 0.10% 0.10% Monthly
IRA - Variable* None $0.01 0.80% 0.80% Monthly
IRA - Fixed 18 Months** None $0.01 0.25% 0.25% Monthly
IRA - Fixed 36 Months** None $0.01 0.60% 0.60% Monthly
IRA - Fixed 60 Months** None $0.01 1.00% 1.00% Monthly
*Fees charged against the account may reduce customer earnings. The rate may change after the account is opened. **A penalty may, or will be imposed, for early withdrawal. Quarterly, semi-annual, and annual compounding is available upon request and require mandatory interest payouts. APYs stated above reflect interest compounded and credited monthly, with interest remaining in the account until maturity. Please ask us for our brochure, "Your Deposit Account," for additional details concerning these types of accounts.

Certificates of Deposit
Account Type Minimum Balance to Open Account Minimum Balance to Obtain APY Interest Rate APY Interest Compounding & Crediting Frequency
91 Days $2,500.00 $2,500.00 0.10% 0.10% Monthly
182 Days $2,500.00 $2,500.00 0.15% 0.15% Monthly
12 Months $1,000.00 $1,000.00 0.20% 0.20% Monthly
18 Months $1,000.00 $1,000.00 0.25% 0.25% Monthly
24 Months $1,000.00 $1,000.00 0.40% 0.40% Monthly
30 Months $1,000.00 $1,000.00 0.45% 0.45% Monthly
36 Months $1,000.00 $1,000.00 0.60% 0.60% Monthly
36 Month "Step-Up"
(Rate may be stepped up to a higher rate once during the CD's term)
$1,000.00 $1,000.00 0.55% 0.55% Monthly
42 Months $5,000.00 $5,000.00 0.65% 0.65% Monthly
48 Months $5,000.00 $5,000.00 0.80% 0.80% Monthly
60 Months $5,000.00 $5,000.00 1.00% 1.00% Monthly
Fees charged against the account may reduce customer earnings. A penalty may, or will be imposed, for early withdrawal. Quarterly, semi-annual, and annual compounding is available upon request and require mandatory interest payouts. APYs stated above reflect interest compounded and credited monthly, with interest remaining in the account until maturity. For quarterly, semi-annual, or annual compounding and crediting please contact Hocking Valley Bank at (740)592-4441.