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NOW Account
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Balance to obtain APY
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Interest Rate
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APY*
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1,000.00 - 2,500.00
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0.05%
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0.05%
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2,500.01 - 25,000.00
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0.05%
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0.05%
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25,000.01 - 50,000.00
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0.10%
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0.10%
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50,000.01 - 75,000.00
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0.15%
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0.15%
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75,000.01 - 100,000.00
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0.20%
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0.20%
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100,000.01 and above
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0.25%
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0.25%
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*APY = Annual Percentage Yield. For balances under $1,000 there is no interest earned and a $10 service charge. $100 minimum opening balance. Unlimited check writing. This is a personal banking product only. Businesses and organizations do not qualify.
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Money Market Account
Personal and Business
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Balance to obtain APY
|
Interest Rate
|
APY*
|
|
2,500.00 -25,000.00
|
0.05%
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0.05%
|
|
25,000.01 - 50,000.00
|
0.10%
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0.10%
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|
50,000.01 - 75,000.00
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0.15%
|
0.15%
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|
75,000.01 - 100,000.00
|
0.20%
|
0.20%
|
|
100,000.01 and above
|
0.25%
|
0.25%
|
*APY = Annual Percentage Yield.
Rates effective as of 7/28/2010. Fees may reduce earnings.
$2500 minimum opening deposit. Under $2,500 earns no interest.
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Product
|
Interest Rate
|
APY*
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|
Regular Savings
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0.15%
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0.15%
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Christmas Savings
|
0.15%
|
0.15%
|
|
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*APY = Annual Percentage Yield.
Rates effective as of 7/28/2010. Rates subject to change.
Fees may reduce earnings.
$100 opening deposit required for Regular Savings.
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Certificates of Deposit
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Product
|
Interest Rate
|
APY*
|
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31 to 90 Days - Compound at Maturity
|
0.20%
|
0.20%
|
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91 to 181 Days - Compound at Maturity
|
0.25%
|
0.25%
|
|
6 Month - Compound at Maturity
|
0.30%
|
0.30%
|
|
12 Month - Compound Semiannually
|
0.60%
|
0.60%
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|
15 Month - Compound Semiannually
|
0.70%
|
0.70%
|
|
24 Month - Compound Semiannually
|
1.15%
|
1.15%
|
|
30 Month - Compound Semiannually (rate change option**)
|
1.74%
|
1.75%
|
|
36 Month - Compound Semiannually
|
1.40%
|
1.40%
|
|
60 Month - Compound Semiannually
|
1.99%
|
2.00%
|
|
72 Month - Compound Semiannually (rate change option**)
|
2.48%
|
2.50%
|
13-Month CD Special - 1.40% APY
Effective 7/28/2010 and subject to change without prior notice.
APY assumes rate remains the same for one year on maturities less than one year and that interest is added to the principal. $500 minimum deposit required for CD specials and for CD's 12 months and over. $2500 minimum deposit required for CD less than 12 months. Substantial penalty for early withdrawal.
*APY = Annual Percentage Yield
**rate change option - during the term you may exchange the interest rate for a new rate we are offering on any other time account with a term equal to the remaining term of this account if you meet all qualifying terms and conditions. The maturity date will remain the same. This option may be taken one time.
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IRAs
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|
Product
|
Interest Rate
|
APY*
|
|
18 Month Fixed - Compound Semiannually
|
0.80%
|
0.80%
|
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18 Month Variable - Compound Semiannually
|
0.80%
|
0.80%
|
|
36 Month Fixed - Compound Semiannually
|
1.40%
|
1.40%
|
|
36 Month Variable - Compound Semiannually
|
1.40%
|
1.40%
|
|
60 Month Fixed - Compound Semiannually
|
1.99%
|
2.00%
|
|
60 Month Variable - Compound Semiannually
|
1.99%
|
2.00%
|
13-Month IRA Fixed Rate 1.40% APY - Rates effective 7/28/2010 and subject to change without prior notice.
APY assumes rate remains the same for one year on maturities less than one year and that interest is added to the principal.*APY = Annual Percentage Yield.
Minimum deposit required.
Fees may reduce earnings.
Substantial penalty for early withdrawal.
Rates are subject to change.
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Hometown Rewards Checking
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3.01% APY on balances up to $25,000 to those who qualify.
Balances over $25,000 earn .51% APY
Rate effective Dec. 23, 2008. Rate subject to change any time. See CSR for details.
Qualifications per cycle are 10 debit card transactions, 1 direct deposit, or automatic draft, and enroll for e-statements. No service charge on any balance.
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