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Current Deposit Rates
Checking, Savings
and Money Market Accts. |
Minimum To Open |
APY* |
Interest Rate |
| |
| Interest (NOW) Checking |
$1,500 |
0.25% |
0.25% |
| **Senior Select Checking |
$500 |
0.50% |
0.50% |
| Regular Savings |
$100 |
0.25% |
0.25% |
| Business Savings |
$100 |
0.25% |
0.25% |
| Money Market Acct. |
$2,500 |
0.50% |
0.50% |
| Business Money Market Acct. |
$2,500 |
0.50% |
0.50% |
| Money Max Acct. |
$25,000 |
0.75% |
0.75% |
| Business Money Max Acct. |
$25,000 |
0.75% |
0.75% |
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*Annual Percentage Yield
The interest rates and APY’s for Checking, Savings and Money Market deposit accounts may vary after the account is opened.
The above rates and APY’s are effective as of October 30, 2008. Fees could reduce earnings. The “Minimum to open” balance must
be maintained to receive the stated APY.
**Senior Select Account requires a minimum daily collected balance of $500 to receive the stated APY. |
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| Certificates of Deposit |
| |
| Term |
Minimum to open |
APY* |
Interest Rate |
| 30 Day |
$1,000 |
1.00% |
1.00% |
| 90 Day |
$1,000 |
1.00% |
1.00% |
| 180 Day |
$1,000 |
1.25% |
1.24% |
| 1 Year |
$500 |
2.00% |
1.98% |
| 18 Month |
$500 |
2.10% |
2.08% |
| 2 Year |
$500 |
2.25% |
2.23% |
| 3 Year |
$500 |
2.75% |
2.72% |
| 4Year |
$500 |
3.00% |
2.97% |
| 5 Year |
$500 |
3.25% |
3.20% |
*Annual Percentage Yield
Rates are subject to change daily. The Certificate of Deposit interest rates and APY’s listed above are effective as of
October 30, 2008. |
Penalties for Early Withdrawal
Less than 1-year maturity – 90 days simple interest on amount withdrawn.
12 month or longer maturity – 180 days simple interest on amount withdrawn.
Fees could reduce earnings. |
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| Individual Retirement Accounts |
| |
| Term |
APY* |
Interest Rate |
| 180 Day |
1.25% |
1.24% |
| 1 Year |
2.00% |
1.98% |
| 18 Month |
2.10% |
2.08% |
| 2 Year |
2.25% |
2.23% |
| 3 Year |
2.75% |
2.72% |
| 4Year |
3.00% |
2.97% |
| 5 Year |
3.25% |
3.20% |
*Annual Percentage Yield
Rates are subject to change daily. Minimum deposit of $500 is required to open an IRA. The IRA interest rate and APY’s listed above are effective as of October 30, 2008. |
Penalties for Early Withdrawal
Less than 1-year maturity – 90 days simple interest on amount withdrawn.
12 month or longer maturity – 180 days simple interest on amount withdrawn.
Fees could reduce earnings. |
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