255 Main Street, Massena, New York 13662
Tel: (315) 764-0541, Fax: (315) 769-6542
Email: info@massenasavingsloan.com

Deposit Rates

Effective Date: September 8th, 2010

	Minimum Balance	Rate	APY *
Variable Rate Accounts
Regular Savings Account	$ 1.00	1.00%	1.02%
Money Market Savings Account	$ 2,500.00	TIERED 1.00/1.25%	1.02/1.27%
NOW Account	$ 0.01	TIERED .50/1.00/1.25%	.51/1.02/1.27%
Fixed Rate Certificates
3 Month CD	$ 2,500.00	1.00%	1.02%
6 Month CD	$ 2,500.00	1.20%	1.22%
12 Month CD	$ 1,000.00	1.30%	1.32%
18 Month CD	$ 1,000.00	1.45%	1.48%
24 Month CD	$ 1,000.00	1.50%	1.53%
30 Month CD	$ 1,000.00	2.25%	2.30%
36 Month CD	$ 1,000.00	2.50%	2.56%
Variable Rate IRA Certificates
18 Month CD	$ 200.00	2.00%	2.04%
Fixed Rate IRA Certificates
6 Month CD	$ 2,500.00	2.50%	2.56%
18 Month CD	$ 200.00	2.75%	2.82%
30 Month CD	$ 1,000.00	3.00%	3.08%

Variable rates may change after account is opened. A penalty may be imposed for early withdrawals from CD's.