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personal banking

Checking
Product Minimum Balance Required to
Receive APY 		Interest
Rate		 APY
Unison Money Market Checking $999,999.00 .10% .10%
Unison Money Market Checking $500,001.00 .07% .07%
Unison Money Market Checking $250,001.00 .07% .07%
Unison Money Market Checking $100,001.00 .07% .07%
Unison Money Market Checking $50,001.00 .03% .03%
Unison Money Market Checking $0.00 .03% .03%

*Interest rates and annual percentage yield (APY) effective as of March 11, 2013.
The interest rate may change after account opening. Fees could reduce the earnings on the account.
The interest on this account is compounded monthly and credited monthly.



Savings
Product Minimum Balance Required to
Receive APY		 Interest
Rate		 APY
Unison Savings $150,001.00 .10% .10%
Unison Savings $100,001.00 .07% .07%
Unison Savings $50,001.00 .05% .05%
Unison Savings $25,001.00 .03% .03%
Unison Savings $10,001.00 .03% .03%
Unison Savings $0.00 .03% .03%
Unison Unisaver Savings 5001.00 0.75% 0.75%
Unison Unisaver Savings $0.00 1.00% 1.00%

*Interest rates and annual percentage yield (APY) effective as of March 11, 2013.
The interest rate may change after account opening. Fees could reduce the earnings on the account.
The interest on this account is compounded quarterly and credited quarterly.

Certificates of Deposit
Product Minimum Balance Required to Open Term Interest Rate APY
60 Month Uniflex $2,500.00 60 Months 1.20% 1.20%
48 Month $2,500.00 48 Months 0.90% 0.90%
36 Month $2,500.00 36 Months 0.60% 0.60%
30 Month $500.00 30 Months .55% .55%
24 Month $2,500.00 24 Months 0.45% 0.45%
18 Month $500.00 18 Months 0.35% 0.35%
12 Month $2,500.00 12 Months 0.25% 0.25%
12 Month $100.00 12 Months 0.15% 0.15%
6 Month $2,500.00 6 Months 0.15% 0.15%

6 months
*Interest rates and annual percentage yield (APY) effective as of March 11, 2013.
The interest is compounded semi-annually and credited semi-annually. Fees could reduce the earnings on the account.
An early withdrawal penalty will be imposed and will equal three month’s interest on the amount withdrawn.

12 months and 18 months
*Interest rates and annual percentage yield (APY) effective as of March 11, 2013.
The interest is compounded annually and credited annually. Fees could reduce the earnings on the account.
An early withdrawal penalty will be imposed and will equal six month’s interest on the amount withdrawn.

All others
*Interest rates and annual percentage yield (APY) effective as of March 11, 2013.
The interest is compounded annually and credited annually. Fees could reduce the earnings on the account.
An early withdrawal penalty will be imposed and will equal twelve month’s interest on the amount withdrawn.

IRA Savings

Product Term Interest
Rate		 APY
60 Month 60 Months 1.20% 1.21%
48 Month 48 Months 0.90% 0.90%
36 Month 36 Months 0.60% 0.60%
24 Month 24 Months 0.45% 0.45%
18 Month 18 Months 0.35% 0.35%
12 Month 12 Months 0.25% 0.25%
6 Month 6 Months 0.15% 0.15%

6 months
**Interest rates and annual percentage yield (APY) effective as of March 11, 2013.
The interest is compounded quarterly and credited quarterly. Fees could reduce the earnings on the account.
An early withdrawal penalty will be imposed and will equal one month’s interest on the amount withdrawn.

All others
*Interest rates and annual percentage yield (APY) effective as of March 11, 2013.
The interest is compounded quarterly and credited quarterly. Fees could reduce the earnings on the account.
An early withdrawal penalty will be imposed and will equal three month’s interest on the amount withdrawn.