American Home Bank

Product Feature	Freedom Savings^SM	Money Market	CDs
Minimum opening balance	$50	$50	$1,000
FDIC insured	Yes, On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2009.	Yes, On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2009.	Yes, On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2009. CDARS insured to $30 million also available
Interest compounded daily	Paid monthly	Paid monthly	Yes. Can be paid to the CD or transferred to another American Home Bank account
Minimum daily balance to avoid monthly maintenance fee	None	$500	None
Automatic Renewal at Maturity
Statement frequency	Monthly when there is electronic activity on the account; quarterly if there is no EFT	EStatement available online on the 10th of each month	EStatement available at the end of June and December
Transfers available between accounts
Interest rate	Tiered, variable	Tiered, variable	Fixed
Unlimited deposits

Product Feature