• Checking & Savings
• CDs & IRAs
• Choice Certificates of Deposit

Checking & Savings

• Interest Rates and Annual Percentage yields are effective 6-24-09
• The annual percentage yield may change after the account is opened
• Fees could reduce the earnings on the account

Account Type	Rate	APY (Annual Percentage Yield)	Minimum Balance to Obtain APY
Personal Regular Checking	N/A	N/A	N/A
Basic Banking Account	N/A	N/A	N/A
Senior Checking	N/A	N/A	N/A
Student Checking	N/A	N/A	N/A
Holiday Club Account	.75%	.75%	$3.00
N.O.W Checking	.50%	.50%	None
Statement Savings	.75%	.75%	$100.
Money Market Savings	1.09%	1.10%	None
Super Money Market Savings
$200,000 and up	1.19%	1.20%	200,000
$100,000 to $199,999.99	1.14%	1.15%	100,000
$25,000 to $99,999.99	1.09%	1.10%	$25,000
$.01 to 24,999.99	0.75%	0.75%	.01
Business Regular Checking	N/A	N/A	N/A
Small Business Checking	N/A	N/A	N/A

CDs & IRAs

Any Catskill Hudson Bank Certificate of Deposit account may be used as an IRA investment with a minimum opening deposit of $500.00.

• Interest Rates and Annual Percentage Yields are effective 6-24-09
• The interest rate will not change for term of the account.
• The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
• We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
• A substantial penalty may be imposed for early withdrawal.

Term	Rate	APY (Annual Percentage Yield)	Minimum Opening Deposit
92-182 day CD	0.80%	0.80%	$1,000.
183-364 day CD	0.90%	0.90%	$1,000.
12-23 month CD	1.39%	1.40%	$1,000.
24-35 month CD	1.59%	1.60%	$1,000.
36-47 month CD	1.98%	2.00%	$1,000.
48-60 month CD	2.37%	2.40%	$1,000.

Choice Certificates of Deposit

• Interest Rates and Annual Percentage Yields are effective 06-24-09.
• At your discretion, you may change the interest rate on the account based on the number of times indicated in the original agreement.
• The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
• We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
• You may make one (1) penalty free withdrawal prior to the maturity date. A substantial penalty may be imposed for additional early withdrawals.

Term	Rate	APY (Annual Percentage Yield)	Minimum Opening Deposit
11 month Choice CD	1.39%	1.40%	$5,000.
30 month Choice CD	1.73%	1.75%	$5,000.

• All deposit rates are subject to change.
• Interest is Compounded Daily.
• Account disclosures are available upon request.
• Deposits are insured by the FDIC.