Savings Rates

Rates effective February 1, 2012 and subject to change.

Savings Accounts	Dividend Rate	APY*	Minimum Balance
Regular Savings (balances $100 or greater)	.05%	.05%	$25
Money Fund
$1,000 - 9,999	.10%	.10%	$1,000
$10,000 - 24,999	.10%	.10%	$10,000
$25,000 +	.10%	.10%	$25,000
Traditional IRA	1.00%	1.01%	$25
Roth IRA	1.00%	1.01%	$25
Education IRA	1.00%	1.01%	$25
Christmas Club	.50%	.50%	$5
Vacation Club	.50%	.50%	$5
Triangle Kids Savings Account	.55%	.55%	$5
Triangle Teens Savings Account	.55%	.55%	$5

Checking Accounts	Dividend Rate	APY*	Minimum Balance
Personal Checking	N/A	N/A	N/A
Triangle Teens Checking Account	N/A	N/A	N/A
Business Advantage Checking	N/A	N/A	N/A
Business Premier Checking	0.50%	0.50%	$10,000
Business Basic Checking	N/A	N/A	N/A

Certificate Account and IRA Certificate Rates**

Rates effective February 1, 2012 and subject to change.

Term	Dividend Rate	APY*	Minimum Deposit
6 Months	.20%	.20%	$250
12 Months	.25%	.25%	$250
18 Months	.40%	.40%	$250
24 Months	.50%	.50%	$250
36 Months	1.00%	1.01%	$250
48 Months	1.25%	1.26%	$250
60 Months	1.50%	1.51%	$250

Rates subject to change. Savings rates are compounded daily and posted monthly.
Deposit rates apply for both personal and business accounts.
*APY = Annual Percentage Yield
**Penalty for early withdrawal on Certificate Accounts and IRA Certificates.