Rates

Neighbor Rewards Checking*

Checking	Interest Rate	APY
Balances up to $25,000	2.47%	2.50%
Balances $25,000.01 and over	0.25%	2.50% – 0.70%
All balances if qualifications are not met	0.05%	0.05%

To earn rewards, each monthly statement cycle:

• Have at least 12 debit card purchases post and settle
• Be enrolled in and agree to receive eStatements.

Neighbor Rewards Savings*

Savings	Interest Rate	APY
Balances up to $25,000	1.00%	1.01%
Balances $25,000.01 and over	0.20%	1.01 – 0.36%

All Neighbor Rewards Savings accounts will ALWAYS receive the high rates!

It does not matter if you do not meet your Neighbor Rewards Checking account qualifications!

You must however, have a Neighbor Rewards Checking account in order to qualify for a Neighbor Rewards Savings account.

Personal Checking Accounts

Account	Balance Ranges	Compounding Method	Interest Rate	APY
Prestige Checking	$0.00 – $9,999.99	Daily	0.05%	0.05%
	$10,000.00 – $19,999.99	Daily	0.05%	0.05%
	$20,000.00 and over	Daily	0.10%	0.10%

Business Checking Accounts

Account	Balance Ranges	Compounding Method	Interest Rate	APY
Community Business Interest Checking	$0.00 – $9,999.99	Daily	0.05%	0.05%
	$10,000.00 – $19,999.99	Daily	0.05%	0.05%
	$20,000.00 and over	Daily	0.10%	0.10%
IOLTA / IOTA Interest Checking	$0.00 – $9,999.99	Daily	0.05%	0.05%
	$10,000.00 – $19,999.99	Daily	0.05%	0.05%
	$20,000.00 – $49,999.99	Daily	0.10%	0.10%
	$50,000.00 and over	Daily	0.65%	0.65%

Personal Savings Accounts

Account	Balance Ranges	Compounding Method	Interest Rate	APY
Lit' l People Passbook Savings	All Balances	Daily	0.15%	0.15%
Community Statement Savings	All Balances	Daily	0.15%	0.15%
Community Index Account	$0.00 – $9,999.99	Daily	0.15%	0.15%
	$10,000.00 – $24,999.99	Daily	0.15%	0.15%
	$25,000.00 – $49,999.99	Daily	0.25%	0.25%
	$50,000.00 – $99,999.99	Daily	0.45%	0.45%
	$100,000.00 and over	Daily	0.65%	0.65%
Health Savings Account	All Balances	Daily	0.25%	0.25%

Business Savings Accounts

Account	Balance Ranges	Compounding Method	Interest Rate	APY
Community Business Statement Savings	All Balances	Daily	0.15%	0.15%
Community Business Index Account	$0.00 – $9,999.99	Daily	0.15%	0.15%
	$10,000.00 – $24,999.99	Daily	0.15%	0.15%
	$25,000.00 – $49,999.99	Daily	0.25%	0.25%
	$50,000.00 – $99,999.99	Daily	0.45%	0.45%
	$100,000.00 and over	Daily	0.65%	0.65%
Community Public Fund Index Account	$0.00 – $9,999.99	Daily	0.05%	0.05%
	$10,000.00 – $24,999.99	Daily	0.10%	0.10%
	$25,000.00 – $49,999.99	Daily	0.10%	0.10%
	$50,000.00 – $99,999.99	Daily	0.20%	0.20%
	$100,000.00 – $499,999.99	Daily	0.20%	0.20%
	$500,000.00 and over	Daily	0.20%	0.20%

Individual Retirement Accounts

Account	Compounding Method	Interest Rate	APY
270 days	Daily	1.69%	1.70%
12 – 23 months	Daily	1.73%	1.75%
24 – 35 months	Daily	1.73%	1.75%
36 – 47 months	Daily	1.73%	1.75%
48 – 59 months	Daily	1.73%	1.75%
60 months	Daily	1.83%	1.85%
Community Savings IRA	Daily	0.20%	0.20%

$1,000 minimum deposit

Penalty for Early Withdrawal

To Inquire about special CD Rates, please call our Ravenna Office at 330-296-8090 or our Kent Office at 330-678-8080

Annual Percentage Yield is based upon the maximum term of deposit for each maturity range.

A withdrawal will reduce earnings.

A COPY OF THE "PORTAGE COMMUNITY BANK RULES AND REGULATIONS" IS AVAILABLE UPON REQUEST

Maintenance or activity fees could reduce earnings on the account. Variable Interest Rates subject to change.

THERE IS A PENALTY REQUIRED FOR EARLY WITHDRAWAL OF CDs AND IRAs.

Certificates of Deposit (CDs)

Account	Compounding Method	Interest Rate	APY
30 – 89 days	Daily	0.25%	0.25%
90 – 179 days	Daily	1.00%	1.01%
180 – 364 days	Daily	1.69%	1.70%
12 – 23 months	Daily	1.73%	1.75%
24 – 35 months	Daily	1.73%	1.75%
36 – 47 months	Daily	1.73%	1.75%
48 – 59 months	Daily	1.73%	1.75%
60 months	Daily	1.83%	1.85%
84 months	Daily	1.93%	1.95%

$1,000 minimum deposit

Penalty for Early Withdrawal

To Inquire about special CD Rates, please call our Ravenna Office at 330-296-8090 or our Kent Office at 330-678-8080

Annual Percentage Yield is based upon the maximum term of deposit for each maturity range.

A withdrawal will reduce earnings.

A COPY OF THE "PORTAGE COMMUNITY BANK RULES AND REGULATIONS" IS AVAILABLE UPON REQUEST

* For Business CDs and Consumer CDs under $100,000 - minimum is 30 days.

Maintenance or activity fees could reduce earnings on the account. Variable Interest Rates subject to change.

THERE IS A PENALTY REQUIRED FOR EARLY WITHDRAWAL OF CDs AND IRAs.

Jumbo Certificates of Deposit (CDs)

Account	Public Funds Interest Rate**	APY	Business Interest Rate*	APY
14 – 29 days	0.05%	0.05%	0.05%	0.05%
30 – 59 days	0.05%	0.05%	0.05%	0.05%
60 – 89 days	0.10%	0.10%	0.05%	0.05%
60 – 119 days	0.15%	0.15%	0.10%	0.10%
120 – 149 days	0.15%	0.15%	0.15%	0.15%
150 – 179 days	0.20%	0.20%	0.15%	0.15%
180 – 269 days	0.20%	0.20%	0.20%	0.20%
270 – 364 days	0.25%	0.25%	0.30%	0.30%
12 – 23 months	0.40%	0.40%	0.30%	0.30%
24 – 35 months	0.50%	0.50%	0.40%	0.40%
36 – 47 months	0.80%	0.80%	0.60%	0.60%
48 – 59 months	1.00%	1.00%	1.00%	1.01%
60 months	1.50%	1.50%	1.20%	1.21%

$100,000 minimum deposit

Penalty for Early Withdrawal

To Inquire about special CD Rates, please call our Ravenna Office at 330-296-8090 or our Kent Office at 330-678-8080

Annual Percentage Yield is based upon the maximum term of deposit for each maturity range.

A withdrawal will reduce earnings.

CDARS - ask for terms and yields

* Consumer & Business interest rates are compounded daily - 365 day basis.

Business and Public Fund Jumbo CDs are not auto-renewable.

** Public Fund rates are simple interest based on a 360 day year with only the principal being renewed.

CDs of $100,000 or more, interest rates may change daily.

For more information about CDs $100,000 or more, call (330)296-8090.