345 MIDDLEFIELD RD
MENLO PARK, CA 94025

PHONE: (650) 323-2493
TOLL FREE: (877) 323-2493
FAX: (650) 323-9541

ABA #321173289

NMLS #802192

Share Rates Loan Rates VISA Rates Fee Schedule

Effective as of: January 1, 2015
Share Product
APRAPY
Regular Shares
Initial Deposit $10, Minimum Balance $50.15%0.15%*
Dividends Paid: Quarterly
Checking/Sharedraft
Initial Deposit $25.00, No Minimum Balance0.10%0.10%
Dividends are computed daily and compounded quarterly.
Money Market Shares
Initial Deposit: $5,000, Minimum Balance: $3,0000.16%0.16%**
This high yield, special share account offers the flexibility of making deposits and withdrawals. Dividends are computed daily and compounded quarterly. Checks and payroll deduction are available. Deposits of $250 or more are allowed at any time. Withdrawals of $500 or more are allowed up to 6 times a month.
6 Month Certificate
Minimum Balance: $1,0000.20%0.20%***
This share certificate has a six (6) month term. Dividends are computed daily and are compounded monthly. Dividends can be paid to regular shares or compounded. The rate is fixed for the term of the certificate. A withdrawal before maturity can result in a penalty not to exceed 180 days of interest.
12, 24 and 36 Month Certificate
Minimum Balance $2,0000.25%0.25%**
Minimum Balance $2,0000.35%0.35%**
Minimum Balance $2,0000.50%0.50%**
These share certificates have a 12, 24 or 36 month term. Dividends are computed daily and paid monthly. Dividends can be paid to regular shares or compounded. The 12 month certificate has a fixed rate for the term of the certificate. The 24 and 36 month certificates come with a one time “bump-up” option. A withdrawal before maturity can result in a penalty not to exceed 180 days of interest.
IRA Share Accumulator
Initial Deposit: $0, Minimum Balance $00.25%0.25%**
Most employed persons are eligible to invest in an Individual Retirement Account. Tradition, ROTH and Coverdell IRAs are available. Dividends are computed daily and compounded quarterly. Consult a tax advisor to verify eligibility.
IRA Certificate
Minimum Balance $500, Certificate Term: 18 months0.35%0.35%**
This 18 month certificate comes in a fixed or floating rate. The floating rate is subject to change quarterly. Dividends are computed daily and compounded quarterly. A withdrawal before maturity can result in a penalty not to exceed 180 days of interest. A penalty will not be assessed on Required Minimum Distributions. Consult a tax advisor to verify eligibility.
 
Federal regulations prohibit payment of dividends in excess of available earnings.
These rates are subject to change.
* APY calculated based on $50 deposit for 365 days.
** APY calculated based on minimum deposit for 365 days.
*** APY calculated based on minimum deposit for 180 days.