Rates

Personal Savings Account Products

NJM Savers^{1 2}

* APY (Annual Percentage Yield) is effective as of May 24, 2013. APY for this account is a variable rate and is subject to change at any time. APY reflects daily compounding of interest.

1 NJM Savers requires a minimum opening deposit of $100 and a minimum daily balance of $100 to earn interest on all balances. If the average balance during the monthly statement cycle period falls below $100, a $1 maintenance fee will be assessed. As a result, fees may reduce earnings on this account.

2 Federal Regulations limit this account to no more than six electronic transfers per monthly statement cycle, either to another account held by the depositor at the same institution or to a third party (such as pre-authorized, automatic, computer and/or telephone transfer). There is a fee of $10.00 for each electronic transfer transaction exceeding the six permitted per statement cycle. As a result, fees may reduce earnings on this account. Further, exceeding six transfers could also lead to the elimination of transfer capabilities or closure of the account.

Premier Money Market^{3 4}

* APY (Annual Percentage Yield) is effective as of May 24, 2013. APY for this account is a variable rate and is subject to change at any time. APY reflects daily compounding of interest.

3 Premier Money Market requires a minimum opening deposit of $25,000 and interest is earned on all balances in the account.

4 Federal Regulations limit this account to no more than six electronic transfers per monthly statement cycle, either to another account held by the depositor at the same institution or to a third party (such as pre-authorized, automatic, computer and/or telephone transfer). The six transfers can be made by check, draft and/or point-of-sale transaction payable to a third party. There is a fee of $10.00 for each electronic transfer transaction exceeding the six permitted per statement cycle. As a result, fees may reduce earnings on this account. Further, exceeding six transfers could also lead to the elimination of transfer capabilities or closure of the account.

Savings for the Future⁵

* APY (Annual Percentage Yield) is effective as of May 24, 2013. APY for this account is a variable rate and is subject to change at any time. APY reflects daily compounding of interest.

5 Savings for the Future requires a minimum opening deposit of $50 (maximum opening deposit is $2,000), and interest is earned on all balances in the account. Savings for the Future also requires a minimum of $50 to maximum of $2,000 per month in periodic, pre-scheduled automatic transfers from an NJM Bank checking account. No additional over-the counter, online, or electronic transfer activity is permitted to be deposited into the account. One withdrawal from the account per month is permitted without charge. Any subsequent withdrawals during the same month will be subject to a $10 charge. As a result, fees may reduce earnings on this account.