Annual Percentage Yields (APYs) effective as of July 5, 2013.


Transaction and Savings Accounts (1)


Product
Minimum 
Opening Deposit
Minimum Balance
to Earn Interest

Interest Rate

APY
Hometown Checking $100.00 $500.00 .05% .05%
Hometown Checking Plus $100.00 None .05% .05%
Hometown Checking
Plus 50
$100.00 None .05% .05%
NOW Checking (2) $1,000.00 None .10% .10%
First Security Checking (2) $1,000.00 $1,000.00 - $2,499.99
$2,500.00 and above
.15%
.25%
.15%
.25%
Regular Savings (2) $50.00 None .15% .15%
Advantage Money Market (2) $1,000.00 $1,000.00 - $2,499.99
$2,500.00 - $49,999.99 
$50,000.00 and above
.10%
.25%
.45%
.10%
.25%
.45%
USB Plus Money Market (2) $25,000.00 $0.01 - $24,999.99
$25,000.00 and above
.25%
.50%
.25%
.50%
USB Gold Money Market (2)
$50,000.00 $0.01 - $49,999.99
$50,000.00-$99,999.99
$100,000.00-$199,999.99
$200,000.00 and above
.50%
.75%
1.00%

1.50%
.50%
.75%
1.00%

1.50%


Certificates of Deposit (3)

Term Minimum Opening Deposit Interest Rate APY
30 days $1,000.00 .25% .25%
60 days $1,000.00 .25% .25%
90 days $1,000.00 .25% .25%
182 days $1,000.00 .30% .30%
12 months $1,000.00 .40% .40%
18 months $1,000.00 .40% .40%
24 months $1,000.00 .75% .76%
30 months $1,000.00 .80% .81%
36 months $1,000.00 1.05% 1.06%
48 months $1,000.00 1.30% 1.31%
60 months $1,000.00 1.40% 1.41%
(1) Rates may change on Transaction and Savings accounts after the account is opened.
(2) Personal or business purpose accounts.
(3) A penalty may be imposed for early withdrawal.
Fees could reduce earnings.