Rates

Rates effective November 22nd, 2014.

CDs & IRAs

Accounts 1APR*APY**Minimum Amount to Open
Current CD / IRA SpecialsCDsIRAs
12 Month0.35%20.35%2$5,000.00$2,500.00
17 Month0.40%20.40%2$5,000.00$2,500.00
24 Month0.60%20.60%2$5,000.00$2,500.00
36 Month0.65%20.65%2$5,000.00$2,500.00
60 Month One Bump1.24%1.25%$5,000.00$2,500.00
CDs / IRAsCDsIRAs
182 Day0.10%0.10%$2,500.00$1,000.00
12 Month0.20%0.20%2,500.00$1,000.00
17 Month0.25%0.25%2,500.00$1,000.00
24 Month0.45%0.45%2,500.00$1,000.00
36 Month0.50%0.50%2,500.00$1,000.00
60 Month1.09%1.10%2,500.00$1,000.00

1. May be subject to early withdrawal penalty.

2. APY available only with an active Community Bank checking account and CD/IRA interest is paid into that checking account or added onto the CD/IRA. If no checking account is open, the APY will be reduced by 0.15%.

Checking

ProductBalanceAPR*APY**
Reward Checking$0 - $9,9992.97%3.01%
$10,000 & Greater0.25%0.25%
If qualifications not met.0.10%0.10%
Real Giving† †$0 - $9,9992.97%3.01%
$10,000 & Greater0.25%0.25%
If qualifications not met.0.10%0.10%
Select Checking$100,000 & Greater0.10%0.10%
$75,000 - $99,9990.10%0.10%
$25,000 - $74,9990.10%0.10%
$5,000 - $24,9990.05%0.05%
$0 - $4,999n/an/a

Savings

ProductBalanceAPR*APY**
Real Saver† † † $0 - $9,9990.51%0.51%
$10,000 & Greater0.25%0.25%
If qualifications not met.0.10%0.10%
Statement Savings0.10%0.10%
Community Market$100,000 & Greater0.15%0.15%
$75,000 - $99,9990.10%0.10%
$25,000 - $74,9990.10%0.10%
$5,000 - $24,9990.05%0.05%
$0 - $4,999n/an/a
Christmas Club0.10%0.10%

All rates are subject to change without notice.

* APR is the Annual Percentage Rate

** APY is Annual Percentage Yield. APY assumes deposit remains for at least one year.


To learn more about our accounts, please see a Community Bank Customer Service Representative to walk you through the details and fully explain the benefits of each account. Certain restrictions may apply, ask for full disclosures.


† Reward Checking

**Interest Rate and APY

Annual Percentage Yield (APY) accurate as of 5/15/2013.

When the Reward Checking account qualifications are not met, the interest rate on your account will be .10% and the annual percentage yield will be .10%.

When the Reward Checking account qualifications are met, the interest rate on your account and corresponding annual percentage rate will be tiered. If your daily balance is less than $10,001.00, the interest rate paid on the entire balance will be 2.97% with an annual percentage yield of 3.01%. An interest rate of .25% will be paid on that portion of your daily balance that is $10,001.00 or greater. The annual percentage yield will range from .25% to 3.01% depending on the balance in the account. Fees may reduce earnings.

Reward Checking Account with a Real Saver

The Annual Percentage Yield (APY) disclosed on the Reward Checking account assumes that the interest earned in Reward Checking compounds. However, by choosing to have a Real Saver account linked to the Reward Checking, you understand the interest earned in your Reward Checking account is automatically transferred into your Real Saver account at the end of the statement cycle and therefore does not remain in your Reward Checking account and does not compound. Additionally, you understand the interest amount earned in the Real Saver account may be less than the interest amount earned in the Reward Checking account.

At our discretion, the interest rate and annual percentage yield on your account may change at any time.

Interest will be compounded on a daily basis. Interest will be credited to your account on the last day of the statement cycle. If you close your account before interest is credited, you will not receive the accrued interest. Interest begins to accrue on the business day you deposit non-cash items (for example checks).

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Qualifications

To qualify for Reward Checking interest rates and receive reimbursements on your ATM fee surcharges, you must perform the following during the monthly qualification cycle:

Have at least 10 point-of-sale Check Card purchases post and settle

Have at least 1 automatic payment (ACH), direct deposit or bill pay transaction post and settle

Be enrolled in Online Banking with Bill Pay and receive free e-Statements. Online Banking login required once every 90 days.

Enrollment in Online Banking with Bill Pay and in electronic statements (e-Statements) is required to meet certain qualifiers. Please contact us for details on how to enroll.

Please note that transactions MUST post to your account and settle during the monthly qualification cycle. They may not be in a pending state to qualify. Transactions may take one or more banking days from the date the transaction was made to post to and settle an account. ATM transactions do not qualify.

**ATM Fee Refunds

If you have met your qualifications for the month, we will reimburse you for domestic ATM fees up to $25.00 per monthly qualification cycle. ATM reimbursements will be credited to your account on the last day of your statement cycle. ATM transactions do not qualify.

ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per transaction. If you believe that you have not been reimbursed the correct amount, please contact The Community Bank Deposit Operations Department at (740) 454-1600. We must hear from you no later than 30 days after the statement cycle where the reimbursement was applicable. Corrective ATM reimbursements will be made at The Community Bank's discretion. Note: ATM withdrawals do not count as qualifying Check Card transactions for purposes of earning rewards within this account.

Monthly Qualification Cycle and Monthly Statement Cycle Explanation

"Monthly Qualification Cycle" means a period beginning one banking day prior to the first day of the current statement cycle through one banking day prior to the close of the current statement cycle. Your account will be automatically qualified on that one day prior to the first day of the current statement cycle. What this means for you is if you did not qualify for the higher preferred rate, you might notice a slightly higher than the base rate APY earned on your account due to the one day (the last day) being calculated with the higher preferred rate.

Other Account Information

You must deposit $100.00 to open this account.

Available to personal accounts only.

Limit one account per household (SSN).

Bounce Protection available.

No minimum balance required.

No monthly service charge.

Certain restrictions may apply. See a Community Bank Customer Service Representative to walk you through the details and fully explain the benefits of this account.

†† Real Giving

**Interest Rate and APY

Annual Percentage Yield (APY) accurate as of 7/15/2013.

When the Real Giving Checking qualifications are not met, the interest rate on your account will be .10% and the annual percentage yield will be .10%.

When the Real Giving Checking qualifications are met, the interest rate on your account and corresponding annual percentage rate will be tiered. If your daily balance is less than $10,001.00, the interest rate paid on the entire balance will be 2.97% with an annual percentage yield of 3.01%. An interest rate of .25% will be paid on that portion of your daily balance that is $10,001.00 or greater. The annual percentage yield will range from .25% to 3.01% depending on the balance in the account. Fees may reduce earnings.

At our discretion, the interest rate and annual percentage yield on your account may change at any time.

Interest will be compounded on a daily basis. Interest will be credited to your account on the last day of the statement cycle. If you close your account before interest is credited, you will not receive the accrued interest. Interest begins to accrue on the business day you deposit non-cash items (for example checks).

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Qualifications

To qualify for Real Giving interest rates and receive reimbursements on your ATM fee surcharges, you must perform the following during the monthly qualification cycle:

Have at least 10 point-of-sale Check Card purchases post and settle

Have at least 1 automatic payment (ACH), direct deposit or bill pay transaction post and settle

Be enrolled in Online Banking with Bill Pay and receive free e-Statements. Online Banking login required once every 90 days.

Enrollment in Online Banking with Bill Pay and in electronic statements (e-Statements) is required to meet certain qualifiers. Please contact us for details on how to enroll.

Please note that transactions MUST post to your account and settle during the monthly qualification cycle. They may not be in a pending state to qualify. Transactions may take one or more banking days from the date the transaction was made to post to and settle an account. ATM transactions do not qualify.

Monthly Qualification Cycle and Monthly Statement Cycle Explanation

"Monthly Qualification Cycle" means a period beginning one banking day prior to the first day of the current statement cycle through one banking day prior to the close of the current statement cycle. Your account will be automatically qualified on that one day prior to the first day of the current statement cycle. What this means for you is if you did not qualify for the higher preferred rate, you might notice a slightly higher than the base rate APY earned on your account due to the one day (the last day) being calculated with the higher preferred rate.

**ATM Fee Refunds

If you have met your qualifications for the month, we will reimburse you for domestic ATM fees up to $25.00 per monthly qualification cycle. ATM reimbursements will be credited to your account on the last day of your statement cycle.

ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per transaction. If you believe that you have not been reimbursed the correct amount, please contact The Community Bank Deposit Operations Department at (740) 454-1600. We must hear from you no later than 30 days after the statement cycle where the reimbursement was applicable. Corrective ATM reimbursements will be made at The Community Bank's discretion. Note: ATM withdrawals do not count as qualifying Check Card transactions for purposes of earning rewards within this account.

**Donation to Charitable Organization

For each Check Card point-of-sale transaction $10.00 or greater, $.05 will be donated to the chosen charity. These donations are potentially tax deductible, so please consult your tax professional. The charitable organization is responsible for providing donation receipts for tax reporting purposes if applicable.

Accountholder information is protected by The Community Bank's privacy policy. However, the following accountholder information will be provided to the charity: contributor/accountholder name, donation amount, mailing address and email address.

This information is provided to the charity as part of a legal process which enables The Community Bank to appropriately service your Real Giving checking account. The charity is prohibited from sharing accountholder information except when it may be required by state or federal law. The charity may provide information and communications to the accountholder. The charitable organization will provide accountholders an opportunity to opt-out of receiving emails from them.

Other Account Information

You must deposit $100.00 to open this account.

Available to personal accounts only.

Limit one account per household (SSN).

Bounce Protection available.

No minimum balance required.

No monthly service charge.

Certain restrictions may apply. See a Community Bank Customer Service Representative to walk you through the details and fully explain the benefits of this account.

††† Real Saver

**Interest Rate and APY

Annual Percentage Yield (APY) accurate as of 7/15/2013.

When the Reward Checking account qualifications are met, the interest rate on your Real Saver account and corresponding annual percentage rate will be tiered. If your daily balance is less than $10,001.00, the interest rate paid on the entire balance will be 0.51% with an annual percentage yield of 0.51%. An interest rate of 0.25% will be paid on that portion of your daily balance that is $10,001.00 or greater. The annual percentage yield will range from 0.25% to 0.51% depending on the balance in the account. Fees may reduce earnings.

When the Reward Checking account qualifications are met, the interest rate on your Reward Checking account and corresponding annual percentage rate will be tiered. If your daily balance is less than $10,001.00, the interest rate paid on the entire balance will be 2.97% with an annual percentage yield of 3.01%. An interest rate of .25% will be paid on that portion of your daily balance that is $10,001.00 or greater. The annual percentage yield will range from .25% to 3.01% depending on the balance in the account. Fees may reduce earnings.

When the Reward Checking account qualifications are not met, the interest rate on your Real Saver account will be .10% and the annual percentage yield will be .10%.

At our discretion, the interest rate and annual percentage yield on your account may change at any time.

Interest will be compounded on a daily basis. Interest will be credited to your account on the last day of the statement cycle. If you close your account before interest is credited, you will not receive the accrued interest. Interest begins to accrue on the business day you deposit non-cash items (for example checks).

We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Reward Checking Account with a Real Saver

The Annual Percentage Yield (APY) disclosed on the Reward Checking account assumes that the interest earned in Reward Checking compounds. However, by choosing to have a Real Saver account linked to the Reward Checking, you understand the interest earned in your Reward Checking account is automatically transferred into your Real Saver account at the end of the statement cycle and therefore does not remain in your Reward Checking account and does not compound. Additionally, you understand the interest amount earned in the Real Saver account may be less than the interest amount earned in the Reward Checking account.

Qualifications

If you meet the easy monthly qualifications for Reward Checking, you'll automatically receive the Real Saver higher interest rate each monthly qualification cycle, plus the Reward Checking earned interest and reimbursements on your ATM fee surcharges will automatically transfer into your Real Saver account. You must perform the following during the monthly qualification cycle:

Have at least 10 point-of-sale Check Card purchases post and settle

Have at least 1 automatic payment (ACH), direct deposit or bill pay transaction post and settle

Be enrolled in Online Banking with Bill Pay and receive free e-Statements. Online Banking login required once every 90 days.

Enrollment in Online Banking with Bill Pay and in electronic statements (e-Statements) is required to meet certain qualifiers. Please contact us for details on how to enroll.

Please note that transactions MUST post to your account and settle during the monthly qualification cycle. They may not be in a pending state to qualify. Transactions may take one or more banking days from the date the transaction was made to post to and settle an account. ATM transactions do not qualify.

Monthly Qualification Cycle and Monthly Statement Cycle Explanation

"Monthly Qualification Cycle" means a period beginning one banking day prior to the first day of the current statement cycle through one banking day prior to the close of the current statement cycle. Your account will be automatically qualified on that one day prior to the first day of the current statement cycle. What this means for you is if you did not qualify for the higher preferred rate, you might notice a slightly higher than the base rate APY earned on your account due to the one day (the last day) being calculated with the higher preferred rate.

**ATM Fee Refunds

Refer to the Reward Checking disclosures by clicking here.

Other Account Information

You must deposit $100.00 to open this account.

Available to personal accounts only.

Limit one account per household (SSN).

No minimum balance required.

No monthly service charge.

Certain restrictions may apply. See a Community Bank Customer Service Representative to walk you through the details and fully explain the benefits of this account.