Share and Share Certificate Rates

Rates shown are in effect as of May 14, 2013 and may be subject to change at any time. All rates include discount for automatic payment from a Pacific Resource checking account.

Daily Access Accounts

Description	Minimum Balance	Rate	APY*
Regular Share	$5	0.128%	0.128%
Money Market Plus
Tier 1	$5,000 - $19,999	0.165%	0.165%
Tier 2	$20,000 - $49,999	0.208%	0.208%
Tier 3	$50,000 +	0.252%	0.252%
Optima Money Market	$100,000	0.200%	0.200%

High Flying Checking

Minimum Deposit	Dividend Rate	Min. APY*	Max. APY*
$0 - $15,000	1.740%	1.754%	1.754%
$15,000.01 - $250,000	0.500%	1.754%	0.626%
Non-qualifying (See Disclosure)	0.050%	0.050%	0.050%

IRA & Regular Share Certificates

Minimum balance to open is $1,000. For those under age 18, the minimum is $250. For jumbo certificates, minimum is $100,000.

Regular Share Certificates and IRA's

Term	Divdend Rate $0.00 - $99,999	APY $0.00 - $99,999	Divident Rate $100,000+	APY $100,000+
3 Month	0.157%	0.157%	0.220%	0.220%
6 Month	0.224%	0.224%	0.339%	0.340%
12 Month	0.316%	0.317%	0.450%	0.451%
18 Month	0.386%	0.386%	0.462%	0.463%
24 Month	0.463%	0.464%	0.629%	0.631%
36 Month	0.637%	0.639%	0.847%	0.849%
48 Month	0.855%	0.857%	1.087%	1.091%
60 Month	1.081%	1.086%	1.344%	1.350%

Variable IRAs

$20 minimum deposit required. Direct deposit option requires minimum $20 per month.

Description	Rate	APY*
Without Direct Deposit	0.128%	0.128%
With Monthly Direct Deposit	0.128%	0.128%

Health Savings Account (HSA)

HSA Balance	Rate	Minimum APY*	Maximum APY*
$0 - $999	0.130%	0.130%	0.130%
$1000 - $9,999	2.000%	0.130%	1.813%
$10,000 - $14,999	2.500%	1.813%	2.042%
$15,000 - $24,999	3.000%	2.042%	2.425%
$25,000 - $1,000,000	4.000%	2.425%	3.961%

Tiered Savings Account

Funds earn rate for that tier; APY depends on balance in each tier.

Tiered Balance	Rate	Minimum APY*	Maximum APY*
$0 - $49,999	0.128%	0.128%	0.128%
$50,000 - $900,000	0.300%	0.128%	0.291%

*APY = Annual Percentage Yield