CHECKING ACCOUNTS

Checking Accounts

Minimum To Open

Balance To Earn APY

APY1

Dividend
Rate

Dividends Compounded

Basic Checking

$25.00

N/A

0.00%

0.00%

Monthly

Preferred
Checking

$100

$200 Average
Daily Balance

0.10%

0.10%

Monthly

Choice Plus Checking

$100

$300 Average
Daily Balance

Tier 1 $0.00 to $2,500

Tier 2 Over $2,500

Tier 1 - 5.05%

Tier 2 - 0.10%

Tier 1 - 4.94%

Tier 2 - 0.10%

Monthly


SAVINGS ACCOUNTS

Savings Accounts

Minimum To Open

Balance To Earn APY

APY1

Dividend
Rate

Dividends Compounded

Regular Share

$25

$200

0.15%

0.15%

Monthly

Tiered Savings

$25

$0.00 to $999.99

0.15%

0.15%

Monthly

 

 

$1,000 to $4,999.99

0.20%

0.20% 

Monthly 

 

 

$5,000 to $9,999.99

0.25%

0.25% 

Monthly 

 

 

$10,000 to $49,999.99

0.30%

0.30%

Monthly 

 

 

$50,000 to
$99,999.99

0.35%

0.35%

Monthly

 

 

$100,000
and up

0.40%

0.40%

Monthly

Christmas Club

N/A

N/A

0.15%

0.15%

Monthly

Vacation Club

N/A

N/A

0.15%

0.15%

Monthly

IRA

N/A

N/A

.95%

.95%

Monthly

Kirby Account

 

N/A

Up to $5,000

2.01%

2.00%

Monthly

 

$5,000
and up

.15%

.15%

Monthly


HORIZON MONEY MARKET

Horizon Money Market

Minimum To Open

Balance To Earn APY

APY1

Dividend
Rate

Dividends Compounded

$2,000 to $4,999.99

$100

$2,000

0.25%

0.25%

Monthly

$5,000 to $9,999.99

$100

$5,000

0.30%

0.30%

Monthly

$10,000 to $49,999.99

$100

$10,000

0.40%

0.40%

Monthly

$50,000 and above

$100

$50,000

0.45%

0.45%

Monthly


CERTIFICATES

Certificates

Minimum To Open

Balance To Earn APY

APY1

Dividend
Rate

Dividends Compounded

12 Month Bump

$500

$500

0.35%

0.35%

Monthly

6 Months

$500

$500

0.25%

0.25%

Monthly

12 Months

$500

$500

0.40%

0.40%

Monthly

18 Months

$500

$500

0.50%

0.50%

Monthly

24 Months

$500

$500

0.55%

0.55%

Monthly

36 Months

$500

$500

0.60%

0.60%

Monthly

48 Months

$500

$500

.90%

0.90%

Monthly

60 Months

$500

$500

1.20%

1.19%

Monthly


BUSINESS SAVINGS

Horizon Money Market

Minimum To Open

Balance To Earn APY

APY1

Dividend
Rate

Dividends Compounded

3 Months

$500

$500

0.10%

0.10%

Monthly

6 Month

$500

$500

0.20%

0.20%

Monthly

 

1 - All rates, except fixed rate certificates of deposit, are subject to change after the account is opened. You must maintain the minimum balance listed in the account disclosure, if any, to earn the advertised Annual Percentage Yield (APY). Fees may reduce earnings on accounts. A penalty will be imposed for premature withdrawal from Certificates of Deposit. Personal accounts only. Rates stated are accurate through 4/26/2013.

2- The Annual Percentage rate (APR) for this Home Equity Line of Credit is variable based on the highest domestic prime rate published in the Wall Street Journal. Call 1-434-237-1566 for current rates. Minimum line amount is $10,000.  Loan to value not to exceed 80% of tax assessed value. 1- to 2- family owner-occupied residences only. This offer is subject to change at any time without notice. No Annual Fees. Consult a tax advisor regarding the tax deductibility of interest. Maximum possible APR is 24%. Minimum possible APR is 4%. Property insurance is required which includes, as required, flood insurance. Other restrictions may apply.

3- Home Equity Loans minimum loan amount is $10,000. Loan to value not to exceed 80% of tax assessed value. 1- to 2- family owner-occupied residences only. This offer is subject to change at any time without notice. Property insurance is required which includes, as required, flood insurance. Other restrictions may apply.
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