Current Rate Chart

This Rate Chart contains information about interest rates and annual percentage yields for some of the accounts we offer.

			ARIZONA ADDRESSES		OUT OF STATE ADDRESSES
Account Type Product	Minimum Opening Deposit	Minimum Balance to Obtain Annual Percentage Yield	Interest Rate	Annual Percentage Yield	Interest Rate	Annual Percentage Yield
GOLDWATER CHECKING *	$100.00	$0.01**
Daily Balances of:
- up to $99.99			0.00	0.00	0.00	0.00
- $100.00 - 4,999.99			0.05	0.05	0.05	0.05
- $5,000.00 and up			0.15	0.15	0.15	0.15
GOLDWATER SAVINGS*	$100.00	$0.01**	0.25	0.25	0.25	0.25
YOUTH SAVINGS*	$0.00	$0.01**	0.25	0.25	0.25	0.25
MONEY MARKET*	$1,000.00	$0.01**
Daily Balances of:
- up to $99,999.99			0.36	0.36	0.36	0.36
- $100,000.00 and up			0.48	0.48	0.48	0.48
BUSINESS MONEY MARKET*	$1,000.00	$0.01**
Daily Balances of:
- up to $99,999.99			0.36	0.36	0.36	0.36
- $100,000.00 and up			0.48	0.48	0.48	0.48
BUSINESS SAVINGS*	$100.00	$0.01**	0.25	0.25	0.25	0.25
CERTIFICATES OF DEPOSIT***	$5,000.00
- 90 day			0.25	0.25	0.15	0.15
- 180 day			0.33	0.33	0.18	0.18
- 12 month			0.55	0.55	0.45	0.45
- 15 month			0.66	0.66	0.56	0.56
- 18 month			0.70	0.70	0.60	0.60
- 24 month			0.80	0.80	0.70	0.70
- 3 year			1.01	1.02	0.91	0.92
- 5 year			1.31	1.32	1.21	1.22

*The interest rate and annual percentage yield may change after account opening.
**Daily balance: We use the daily balance method to calculate interest on the account.
This method applies a daily periodic rate to the principal in the account each day.
***Certificates of Deposit are subject to early withdrawal penalties.
Fees could reduce the earnings on the account.
Interest Rates and Annual Percentage Yields are current as of 05/14/2013.
For current rate information call (480) 281-8200.