Dunkirk Branch
128 East Fourth Street
Dunkirk, New York 14048
Phone: 716-366-4070
Fax: 716-366-2965
DASH: 716-366-8550

Savings Accounts: Rates and APYs

For the latest terrific rates on CDs, please visit or call your local Lake Shore Savings branch,

Certificate of Deposit (CD)

RATES

	3 Month	6 Month	1 Year	15 Month*
Annual Percentage Yield (APY)	0.100%	0.250%	0.500%	0.750%*
Balance to Earn Minimum APY	$500	$500	$500	$500*
Minimum to Open Account	$500	$500	$500	$500 + $500 in a New Checking*
Interest Rate	0.100%	0.250%	0.500%	0.750%*

*Must maintain a minimum balance of $500 in a new
checking account for the term of the CD along with
direct deposit.

	2 Year	3 Year	4 Year	5 Year
Annual Percentage Yield (APY)	0.800%	0.900%	1.050%	1.400%
Balance to Earn Minimum APY	$500	$500	$500	$500
Minimum to Open Account	$500	$500	$500	$500
Interest Rate	0.800%	0.900%	1.040%	1.390%

Health Savings Account Rates

Annual Percentage Yield (APY)	Interest Rate	Minimum to Open	Minimum Balance to Earn APY
1.500%	1.490%	$10	$25,000 & up
1.250%	1.240%	$10	$5,000 to $24,999
0.850%	0.850%	$10	$2,500 to $4,999
0.500%	0.500%	$10	Up to $2,500

All APYs and Rates are accurate as of February 3rd, 2012 and are subject to change without notice. Any Annual Percentage Yeild (APY) provided in this disclosure assumes interest will remain on deposit until maturity, for accounts with terms, or for at least one year, for accounts with no terms. Fees and withdrawals will reduce earnings. Early withdrawal penalties may apply for CDs. Fixed rates for accounts with no specific maturities are in effect for 30 days from the effective date disclosed above. Fixed rates for accounts with specific maturities are in effect until maturity. Rates for variable rate accounts are in effect through the effective period disclosed above. See your account disclosures for additional information about your account. Current rate information can be obtained by calling any of our offices.