Savings Account Rates
Effective as of May 1, 2013

Account Type	Interest          Rate	Annual  Percentage Yield	Minimum    Balance
Statement Savings	.05%	.05%	None
Christmas Club	.15%	.15%	None
Vacation Club	.15%	.15%	None
Money Market Savings
$1,000 - $4,999.99	.05%	.05%
$5,000 - $9,999.99	.05%	.05%
$10,000 or Greater	.10%	.10%
Money Market Bonus Rate
$1,000 - $4,999.99	.10%	.10%
$5,000 - $9,999.99	.15%	.15%
$10,000 or Greater	.20%	.20%
HSA Health Savings
$0 - $4,999.99	.05%	.05%
$5,000 - $9,999.99	.10%	.10%
$10,000 or Greater	.15%	.15%

Subject to change without notice.  Fees may reduce earnings on the account.
Money Market Bonus Interest Rate given when account receives automatically transferred funds of a minimum of $75 monthly from a GenoaBank Checking or Savings account.