Deposit Account Rates

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RATES effective November 4, 2011

Checking Accounts ^1,2,3,4,5
Product	Annual Percentage Yield (APY)	Compounding Method	Minimum Deposit
Covenant First	–	–	$100
Basic Checking	–	–	$100
Regular Checking	–	–	$250
NOW Checking	0.25%	Monthly	$1,000
Electronic Transfer Account (ETA)	–	–	–
Senior Checking	–	–	$100

Savings Accounts ^1,2,3,4,5,6
Product	Annual Percentage Yield (APY)	Compounding Method	Minimum Deposit
Savings Account	0.50%	Daily	$150
Christmas Account	0.50%	Daily	$25

Money Market ^1,2,3,4,5,6
Balance	Annual Percentage Yield (APY)	Compounding Method	Minimum Deposit
$0 – $24,999.99	0.30%	Monthly	$1,000
$25,000 – $49,999.99	0.50%	Monthly	$1,000
$50,000 – $99,999.99	0.75%	Monthly	$1,000
$100,000 +	1.00%	Monthly	$1,000

Certificates of Deposit/ Individual Retirement Account ^2,4,5,7
Term	Annual Percentage Yield (APY)	Compounding Method	Minimum Deposit
3 Months	0.10%	Quarterly	$1,000
6 Months	0.15%	Quarterly	$1,000
1 Year	0.40%	Quarterly	$1,000
18 Months	0.50%	Quarterly	$1,000
2 Year	0.60%	Quarterly	$1,000
3 Year	0.90%	Quarterly	$1,000
4 Year	1.25%	Quarterly	$1,000
5 Year	1.50%	Quarterly	$1,000
1 Year – Jumbo CD	0.40%	Quarterly	$100,000
2 Year – Jumbo CD	0.60%	Quarterly	$100,000
3 Year – Jumbo CD	0.90%	Quarterly	$100,000

Please call 773-533-6900 for additional information. Rates are subject to change without notice.

¹ Interest rates on checking or savings account may change after open.
² Minimum deposit to open account is the same balance required to obtain stated APY.
³ Fees may reduce earnings on account.
⁴ All Interest rates and account types subject to change without notice.
⁵ Other restrictions may apply.
⁶ Activity restrictions apply.
⁷ We may impose a substantial penalty if you withdraw any of the principal balance before the maturity date.

FDIC Insures Your Deposits Up To $250,000

On July 21, 2010 the maximum deposit insurance amount was raised to $250,000. The FDIC insurance coverage limit applies per depositor, per insured depository institution for each account ownership category. For additional information regarding FDIC’s deposit insurance coverage use the FDIC’s Electronic Deposit Insurance Estimator (EDIE) and deposit insurance publications located on the FDIC’s website “Are My Deposits Insured?” In addition, you can call the FDIC at 1-877-ASK-FDIC (1-877-275-3342).

Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

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Deposit Account Rates