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*Effective 10/20/13, get a $10 Jewel Gift Card upon opening a new Premier Savings account or a new 14-month CD while supplies last. Limit one Gift Card per household. Offers valid for new money not currently on deposit at M&M Bank. *Interest rate on Premier Savings account is 0.25% with a 0.25% Annual Percentage Yield (APY). Minimum balance to open account and earn the stated rate is $500.00. Balances between $100.00 and $499.99 will earn the regular savings interest rate currently 0.10% with a 0.10% APY. Balances below $100.00 will not earn interest. If the account balance falls below the minimum balance of $500.00, the account will be charged a $5.00 monthly maintenance fee. An early account close penalty will apply if account is closed within the first 6 months. **Certificate of Deposit (CD) is a 14-month term with a rate of 0.50% and an Annual Percentage Yield (APY) of 0.50%. At maturity, the CD will renew as a 12-month CD at the then published 12-month rate. A penalty will apply for early withdrawal. Minimum deposit to open is $1,000.00. Fees may reduce earnings. All terms, including the interest rate on the Premier Savings account, are subject to change. Activity and other restrictions may apply - please inquire for details.