*APY = Annual Percentage Yield.  Minimum deposit of $5,000 (new money) is required to open a new Certificate of Deposit (CD) at this promotional rate.  Balances less than $5,000 are subject to lower APY.  A Peoples First Savings Bank checking account with direct deposit is required to obtain promotional rate.  At maturity, CD will renew to 30-month term with the interest rate fixed based upon the applicable rate in effect at that time.  A penalty may be imposed for early withdrawal.  Fees may reduce earnings.  APY is subject to change at any time without notice.

* These variable rate accounts may change after the account is opened

• The Annual Percentage Yields assume interest remains on deposit until maturity. A withdrawal will reduce earnings.

• All Interest Rates and Annual Percentage Yields, except the Variable IRA Rate, are determined by this institution and are not tied to any index.

• We use the daily balance method to calculate the interest on your account each day.

• Interest will begin to accrue on the business date in which the deposit is made.

• The interest rate for the 24 month Variable Rate IRA may be changed monthly (1st of each month). The rate for the IRA account shall be the yield of the most recent auction of the two-year Treasury Note.

• Certificates of deposit requires $500.00 to open.

• Certificates of deposit are subject to penalty for early withdrawal.