Senior N.O.W. Accounts
|Daily Minimum Collected Balance Level||Interest Rate||Annual Percentage Yield|
|Less than $500.00||0.00%||0.00%|
|$500.00 to $4,999.99||0.05%||0.05%|
|$5,000.00 to $24,999.99||0.05%||0.05%|
|$25,000.00 or more||0.05%||0.05%|
We use the Daily Balance Method to calculate the interest on your account. This method applies a daily periodic rate to the Balance in your account each day. Interest is accrued daily, compounded and credited monthly to your account from your account’s issue date. At our discretion, we may change the interest rates at any time. Penalty may be assessed for early withdrawal. APY is accurate as of January 8, 2013. Fees could reduce the earnings on the account.