|
|
NOW Account
|
|
Balance to obtain APY
|
Interest Rate
|
APY*
|
|
1,000.00 - 2,500.00
|
0.50%
|
0.50%
|
|
2,500.01 - 25,000.00
|
0.60%
|
0.60%
|
|
25,000.01 - 50,000.00
|
0.70%
|
0.70%
|
|
50,000.01 - 75,000.00
|
0.80%
|
0.80%
|
|
75,000.01 - 100,000.00
|
1.00%
|
1.00%
|
|
100,000.01 and above
|
1.09%
|
1.10%
|
|
*APY = Annual Percentage Yield. For balances under $1,000 there is no interest earned and a $10 service charge. Unlimited check writing.
|
Money Market Account
Personal and Business
|
|
Balance to obtain APY
|
Interest Rate
|
APY*
|
|
2,500.00 -25,000.00
|
.50%
|
.50%
|
|
25,000.01 - 50,000.00
|
.75%
|
.75%
|
|
50,000.01 - 75,000.00
|
1.00%
|
1.00%
|
|
75,000.01 - 100,000.00
|
1.24%
|
1.25%
|
|
100,000.01 and above
|
1.49%
|
2.50%
|
*APY = Annual Percentage Yield.
Rates effective as of 4/30/08.
Fees may reduce earnings.
$100 minimum opening deposit. Under $2,500 earns no interest.
|
|
Product
|
Interest Rate
|
APY*
|
|
Regular Savings
|
0.75%
|
0.75%
|
|
Christmas Savings
|
0.75%
|
0.75%
|
|
|
|
|
|
|
|
|
*APY = Annual Percentage Yield.
Rates effective as of 4/30/08. Rates subject to change.
Fees may reduce earnings.
$100 opening deposit required for Regular Savings.
|
|
Certificates of Deposit
|
|
Product
|
Interest Rate
|
APY*
|
|
31 to 90 Days - Compound at Maturity
|
1.49%
|
1.50%
|
|
91 to 181 Days - Compound at Maturity
|
1.89%
|
1.90%
|
|
6 Month - Compound at Maturity
|
1.99%
|
2.00%
|
|
12 Month - Compound Semiannually
|
2.09%
|
2.10%
|
|
15 Month Add-on - Compound Semiannually
|
2.19%
|
2.20%
|
|
24 Month - Compound Semiannually
|
2.34%
|
2.35%
|
|
30 Month - Compound Semiannually (Rate change option)
|
2.44%
|
2.45%
|
|
36 Month - Compound Semiannually
|
2.58%
|
2.60%
|
|
60 Month - Compound Semiannually
|
3.08%
|
3.10%
|
|
72 Month - Compound Semiannually (Rate change option)
|
3.22%
|
3.25%
|
9-month cd special - 3.00% APY - Rates effective 4/30/08 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.
Minimum deposit required.
Substantial penalty for early withdrawal.
*APY = Annual Percentage Yield.
|
|
IRAs
|
|
Product
|
Interest Rate
|
APY*
|
|
18 Month Fixed - Compound Semiannually
|
2.34%
|
2.35%
|
|
18 Month Variable - Compound Semiannually
|
2.34%
|
2.35%
|
|
60 Month Fixed - Compound Semiannually
|
3.08%
|
3.10%
|
|
60 Month Variable - Compound Semiannually
|
3.08%
|
3.10%
|
*APY = Annual Percentage Yield.
Rates effective 4/30/08.
Minimum deposit required.
Fees may reduce earnings.
Rates are subject to change.
|
|
|
