Rates

Rates Effective as of 11/30/2012.

APY = Annual Percentage Yield. Fees may reduce earnings.



Certificates of Deposit**Min. Required Opening DepositMin. Balance to Obtain APYInterest RateAPY*
CD 7 - 31 Day$1,000$00.10%0.10%
CD 3 Month- $1,000 - $49,999.99$1,000$00.10%0.10%
CD 3 Month - $50,000 - $99,999.99$50,000$00.12%0.12%
CD 3 Month - $100,000 - $249,999.99$100,000$00.15%0.15%
CD 3 Month- $250,000 and Over$250,000$00.18%0.18%
CD 6 Month - $1,000 - $49,999.99$1,000$00.25%0.25%
CD 6 Month - $50,000 - $99,999.99$50,000$00.30%0.30%
CD 6 Month - $100,000 - 249,999.99$100,000$00.40%0.40%
CD 6 Month- $250,000 and Over$250,000$00.45%0.45%
CD 12 Month - $1,000 - $49,999.99$1,000$00.30%0.30%
CD 12 Month - $50,000 - $99,999.99$50,000$00.50%0.50%
CD 12 Month- $100,000 - $249,999.99$100,000$00.60%0.60%
CD 12 Month - $250,000 and Over$250,000$00.70%0.70%
CD 18 Month - $1,000 - $49,999.99$1,000$00.45%0.45%
CD 18 Month - $50,000 - $99,999.99$50,000$00.55%0.55%
CD 18 Month - $100,000 - $249,999.99$100,000$00.65%0.65%
CD 18 Month - $250,000 and Over$250,000$00.95%0.95%
CD 24 Month - $1,000 - $49,999.99$1,000$00.65%0.65%
CD 24 Month - $50,000 - $99,999.99$50,000$00.75%0.65%
CD 24 Month - $100,000 - $249,999.99$100,000$01.00%1.01%
CD 24 Month - $250,000 and over$250,000$01.10%1.11%
CD 30 Month - $1,000 - $49,999.99$1,000$00.75%0.75%
CD 30 Month - $50,000 - $99,999.99$50,000$00.85%0.85%
CD 30 Month - $100,000 - $249,999.99$100,000$01.05%1.06%
CD 30 Month - $250,000 and Over$250,000$01.20%1.21%
CD 36 Month - $1,000 - $49,999.99$1,000$00.85%0.85%
CD 36 Month - $50,000 - $99,999.99$50,000$00.95%0.95%
CD 36 Month - $100,000 - $249,999.99$100,000$01.00%1.01%
CD 36 Month - $250,000 and Over$250,000$01.25%1.26%
CD 60 Month - $1,000 - $49,999.99$1,000$00.95%0.95%
CD 60 Month - $50,000 - $99,999.99$50,000$01.00%1.01%
CD 60 Month - $100,000 - $249,999.99$100,000$01.05%1.06%
CD 60 Month - $250,000 and Over$250,000$01.30%1.31%
CD 84 Month - $250,000 and Over$250,000$01.55%1.26%
CD 120 Month - $250,000$250,000$01.95%1.97%
Public Funds CD 3 Month - Under $249,999.99$1,000$00.05%0.05%
Public Funds CD 3 Month - Over $250,000$250,000$00.07%0.07%
Public Funds CD 3 Month - Under $249,999.99$1,000$00.10%0.10%
Public Funds CD 6 Month - Over $250,000$250,000$00.15%0.15%
Public Funds CD 12 Month - Under $249,999.99$1,000$00.25%0.25%
Public Funds CD 12 Month - Over $250,000$250,000$00.30%0.30%
Public Funds CD 18 Month - Under $249,999.99$1,000$00.35%0.35%
Public Funds CD 18 Month - Over $250,000$250,000$00.40%0.40%
Public Funds CD 24 Month - Under $249,999.99$1,000$00.45%0.45%
Public Funds CD 24 Month - Over $250,000$250,000$00.50%0.50%
Public Funds CD 30 Month - Under $249,999.99$1,000$00.55%0.55%
Public Funds CD 30 Month - Over $250,000$250,000$00.60%0.60%

*APY = Annual Percentage Yield. **A penalty for early withdrawl.

Checking AccountsMin. Required Opening DepositMin. Balance to Obtain APYInterest RateAPY*
Rewards Checking (Qualifiers not met) $100$00.15%0.15%
Rewards Checking (Qualifiers met) Balances up to $15,0004.03%4.11%
Rewards Checking (Qualifiers met) Balances over $15,0000.49%4.11% to 0.98%
Consumer NOW Account**$1,000$1,000***0.15%0.15%
Consumer Super NOW Account**$1,500$1,500***0.20%0.20
GBT Gold Medallion**$5,000$5,000***0.00%0.00%
Tier 2 $5,0000.04%0.04%
Tier 3 $25,0000.54%0.54%
Tier 4 $50,0000.79%0.79%
Tier 5 $100,0000.88%0.89%
Tier 6 $500,0001.04%1.04%
Commercial Now Account**$1,000$1,000***0.15%0.15%

Qualifications:
To earn your rewards, simply do the following activities and transactions in your REWARD Checking account each monthly qualification cycle: Have at least 15 debit card purchases post and settle, Have at least 1 direct deposit or recurring ACH payment post and settle and Be enrolled and receive E-Statements.

*APY=Annual Percentage Yield. APYs accurate as of 01/01/2014. Rates may change after account is opened. Minimum to open is $100 for GBT Hometown Rewards Checking and $1.00 for GBT Hometown REALSaver. GBT Hometown Rewards Checking, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 4.11%; and (3) balances over $15,000 earn 0.51% interest rate on the portion of the balance over $15,000, resulting in a range of 4.11% to 0.98% APY depending on the balance. If qualifications are not met on GBT Hometown Rewards Checking all balances earn 0.15% APY. Qualifying transactions must post to and settle GBT Hometown Rewards Checking account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised GBT Hometown Rewards Checking APY is based on compounding interest. Interest earned in GBT Hometown Rewards Checking is automatically transferred to GBT Hometown REALSaver each statement cycle and does not compound. Actual interest amount paid may be less than advertised GBT Hometown Rewards Checking APY. The GBT Hometown REALSaver APYs may be less than GBT Hometown Rewards Checking APYs. Rates may change after the account is opened. Fees may reduce earnings. Other bank ATM fees will be calculated to the best of the bank's knowledge based on the incoming data received from the bank's EFT processor for fee refunds. **The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. ***Daily average balance. A periodic rate is applied to the average daily balance in the account for the period. The Average Daily Balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Money Market AccountsMin. Required Opening DepositMin. Balance to Obtain APYInterest RateAPY*
Consumer Money Market Account**$2,500$1,000***0.15%0.15%
Commercial Plus Business Money Market Account**$2,500$1,000***0.15%0.15%

*APY = Annual Percentage Yield. **The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. ***Daily average balance. A periodic rate is applied to the average daily balance in the account for the period. The Average Daily Balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Individual Retirement AccountsMin. Required Opening DepositMin. Balance to Obtain APYInterest RateAPY*
IRACD** - 18 Months$1,000$00.55%0.55%

*APY = Annual Percentage Yield. **The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account.

Savings AccountsMin. Required Opening DepositMin. Balance to Obtain APYInterest RateAPY*
RealSaver with Reward Checking (Qualifiers not met)$1$00.15%0.15%
RealSaver with Reward Checking (Qualifiers met)Balances up to $25,0001.49%1.51%
RealSaver with Reward Checking (Qualifiers met)Balances over $25,0000.49%1.51% to 0.71%
Consumer Savings Account**$300$300***0.25%0.25%
Commercial Savings Account**$300$300***0.20%0.20%

Qualifications:
Qualifying for the REWARD Checking rewards automatically qualifies you for the highest REALSaver rate too. To earn your rewards, simply do the following activities and transactions in your REWARD Checking account each monthly qualification cycle: Have at least 15 debit card purchases post and settle, Have at least 1 direct deposit or recurring ACH payment post and settle and Be enrolled and receive E-Statements.

*APY=Annual Percentage Yield. APYs accurate as of 01/01/2014. Rates may change after account is opened. Minimum to open is $100 for GBT Hometown Rewards Checking and $1.00 for GBT Hometown REALSaver. For GBT Hometown Rewards Checking, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 4.11%; and (3) balances over $15,000 earn 0.51% interest rate on the portion of the balance over $15,000, resulting in a range of 4.11% to 0.98% APY depending on the balance. If qualifications are not met on GBT Hometown Rewards Checking all balances earn 0.15% APY. Qualifying transactions must post to and settle GBT Hometown Rewards Checking account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised GBT Hometown Rewards Checking APY is based on compounding interest. Interest earned in GBT Hometown Rewards Checking is automatically transferred to GBT Hometown REALSaver each statement cycle and does not compound. Actual interest amount paid may be less than advertised GBT Hometown Rewards Checking APY. The GBT Hometown REALSaver APYs may be less than GBT Hometown Rewards Checking APYs. If qualifications in GBT Hometown Rewards Checking are met each monthly qualification cycle: (1) balances up to $25,000 in GBT Hometown REALSaver receive an APY of 1.51%; and (2) balances over $25,000 in GBT Hometown REALSaver earn 0.51% interest rate on portion of balance over $25,000, resulting in a range of 1.51% to 0.71% APY depending on the balance. If qualifications are not met on GBT Hometown Rewards Checking, all balances in GBT Hometown REALSaver earn 0.15% APY. Rates may change after the account is opened. Fees may reduce earnings. Other bank ATM fees will be calculated to the best of the bank's knowledge based on the incoming data received from the bank's EFT processor for fee refunds.**The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. ***Daily average balance. A periodic rate is applied to the average daily balance in the account for the period. The Average Daily Balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.