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Savings Products
Interest Rates effective as of: 2/1/2013 Interest Rates are subject to change daily. For current rates call (386)428-2299.
Account Type Rate APY* Minimum Balance this APY* Minimum Opening Balance
Friends Merit Account = $2499.99 and under 0.05% 0.05% $100.00
Friends Merit Account = $2500 - $24,999.99 0.05% 0.05% $2,500.00 $100.00
Friends Merit Account = $25,000 and over 0.10% 0.10% $25,000.00 $100.00
Friends Choice Account=$2499.99 and under 0.05% 0.05% $100.00
Friends Choice Account=$2500 - $24999.99 0.05% 0.05% $2,500.00 $100.00
Friends Choice Account = $25,000 and over 0.10% 0.10% $25,000.00 $100.00
Friends Sensible Savings 0.10% 0.10% $100.00 $100.00
Friends Treasure Acct = $1,000 - $4,999.99 0.10% 0.10% $1,000.00 $1,000.00
Friends Treasure Acct = $5000 - $24,999.99 0.10% 0.10% $5,000.00 $1,000.00
Friends Treasure Acct=$25,000 - $49,999.99 0.15% 0.15% $25,000.00 $1,000.00
Friends Treasure Acct=$50,000 - $99,999.99 0.20% 0.20% $50,000.00 $1,000.00
Friends Treasure Acct=$100,000 and over 0.25% 0.25% $100,000.00 $1,000.00
Friends IOTA Account same as Choice Acct. $100.00
Christmas Cash 0.15% 0.15% $5.00 $5.00
Young Friends Savings 0.10% 0.10% $25.00
Friends Bus. Advantage = $1000-$4999.99 0.10% 0.10% $1,000.00 $1,000.00
Friends Bus. Advantage = $5000-$24999.99 0.10% 0.10% $5,000.00 $1,000.00
Friends Bus. Advantage =$25,000-$49,999.99 0.15% 0.15% $25,000.00 $1,000.00
Friends Bus. Advantage=$50,000-$99,999.99 0.20% 0.20% $50,000.00 $1,000.00
Friends Bus. Advantage=$100,000 and over 0.25% 0.25% $100,000.00 $1,000.00


Certificates of Deposit (CDs)
Interest Rates effective as of: 2/1/2013 Interest Rates are subject to change daily. For current rates call (386)428-2299.
Account Type Rate APY* Minimum Balance this APY* Minimum Opening Balance
90 Day CD 0.10% 0.10% $2,000.00 $2,000.00
6 Month CD 0.15% 0.15% $2,000.00 $2,000.00
12 Month CD 0.35% 0.35% $500.00 $500.00
18 Month Advantage CD 0.40% 0.40% $5,000.00 $5,000.00
24 Month CD 0.50% 0.50% $1,000.00 $1,000.00
30 Month Advantage CD 0.60% 0.60% $5,000.00 $5,000.00
36 Month CD 0.65% 0.65% $1,000.00 $1,000.00
48 Month CD 0.75% 0.75% $1,000.00 $1,000.00
60 Month CD 0.85% 0.85% $1,000.00 $1,000.00


Individual Retirement Accounts (IRAs)
Interest Rates effective as of: 2/1/2013 Interest Rates are subject to change daily. For current rates call (386)428-2299.
Account Type Rate APY* Minimum Balance this APY* Minimum Opening Balance
6 Month IRA 0.15% 0.15% $1,000.00 $1,000.00
12 Month IRA 0.35% 0.35% $1,000.00 $1,000.00
18 Month Advantage IRA 0.40% 0.40% $1,000.00 $1,000.00
24 Month IRA 0.50% 0.50% $1,000.00 $1,000.00
30 Month Advantage IRA 0.60% 0.60% $1,000.00 $1,000.00
36 Month IRA 0.65% 0.65% $1,000.00 $1,000.00
48 Month IRA 0.75% 0.75% $1,000.00 $1,000.00
60 Month IRA 0.85% 0.85% $1,000.00 $1,000.00
*Annual Percentage Yield
** Minimum Balance Required to obtain APY listed for this Account.
The annual percentage yield assumes interest remains on deposit until maturity.
A withdrawal will reduce earnings. A penalty may be imposed for an early withdrawal.
Early withdrawal fees could result in a reduction in earnings and/or principal.
***Interest is compounded daily

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