Rates Effective February 4, 2015

Certificate and Retirement Accounts
Account Type	Annual Percentage Yield (APY)	Minimum Balance To Earn Interest#	Special Features Designated Non-IRA CDs Can Be Opened Online
			All certificates are available as Regular IRAs or ROTH IRAs unless noted. IRAs cannot be opened online.
6 Month	.25	$1,000.00	Open now online.
12 Month	.40	$1,000.00	Open now online. Open now online. Open now online.
	.40	$10,000.00
	.45	$25,000.00
13 Month *	.60	$500.00	Must have AFSB Checking Account to earn this yield. Not available for Retirement Accounts and Business Accounts.
18 Month	.45	$1,000.00
	.50	$10,000.00
	.50	$25,000.00
24 Month	.90	$1,000.00
	1.00	$25,000.000
36 Month	.95	$5,000.00	Open now online. Bump-up CD - one rate adjustment allowed per term.
48 Month	1.25	$1.000.00
	1.30	$25,000.00
60 Month	1.92	$1,000.00	Open now online. Open now online.
	2.02	$25,000.00
84 Month	2.02	$10,000.00

 

Savings and Money Market Accounts
Account Type	Annual Percentage Yield (APY)	Minimum Balance To Earn Interest#	Special Features
Statement Savings^	0.12	$50.00	Open now online. Transaction limitations apply - refer to TIS Disclosure.
Goal Maker Savings^* (Tier 1)	0.12	$0.01	Must be under 18 and opened with parent or guardian. Minimum opening balance $5.00. Variable Rate. One account per child. Transaction limitations apply - refer to TIS Disclosure.
Goal Maker Savings^* (Tier 2)	0.12	$2,500.01
Senior Rewards 55+ ^*	0.12	$250.00	No monthly minimum balance requirement. No monthly service charge. FREE Money Orders, *FREE Safe Deposit Box Rental, FREE Debit Card. Fifty dollar deposit required at account opening and direct deposit . Transaction limitations apply - refer to TIS Disclosure
Christmas Club^	0.45	$10.00	Quarterly statement - Check payout at end of club term. Transaction limitations apply - refer to account agreement.
Money Market Savings^ (Tier 1)	0.18	$1,000.00	Open now online. No monthly service charge when you maintain minimum balance requirement. Transaction limitations apply - refer to TIS Disclosure.  Interest Tier rate changes automatically based on daily account balance.
Money Market Savings^ (Tier 2)	0.18	$20,000.00
Money Market Savings^ (Tier 3)	0.23	$50,000.00

Checking Accounts
Account Type	Annual Percentage Yield (APY)	Minimum Balance To Earn Interest#	Special Features
FreeBee	None	N/A	Open now online. No minimum balance requirement. No monthly service charge. FREE Bill Pay. FREE Debit Card. Overdraft Line of Credit available. Fifty dollar deposit and check printing fee required at account opening.
Senior Rewards 55+ ^*	0.08	$250.00	No minimum balance requirement. No monthly service charge. Overdraft Line of Credit available. FREE Debit Card. FREE Senior Checks, *FREE Safe Deposit Box Rental, FREE Bill Pay. Fifty dollar deposit required at account opening and direct deposit enrollment .
NOW^	0.08	$250.00	Open now online. Overdraft Line of Credit available. FREE Debit Card. FREE Bill Pay.
Super NOW^	0.12	$1,000.00	Overdraft Line of Credit available. FREE Debit Card. FREE Bill Pay.
Money Market Checking^ (Tier 1)	0.12	$1,000.00	Open now online. Unlimited transfers, unlimited debit card transactions and FREE Bill Pay. No monthly service charge when you maintain minimum balance requirement. Interest Tier rate changes automatically based on daily account balance.
Money Market Checking^ (Tier 2)	0.12	$20,000.00
Money Market Checking^ (Tier 3)	0.18	$50,000.00

^ denotes variable rate account
* certain limitations apply
# minimum balance to earn interest is the same as the required minimum opening balance unless noted in Special Features 

Accounts subject to fees & charges. Fees may reduce APY.
Early withdrawals on CDs may result in substantial penalties.
For other terms and account information please call 410-768-7800.
For 24/7 telephone access to accounts, rates and products call Bankline 410-355-9400.

ALL RATES SUBJECT TO CHANGE WITHOUT NOTICE