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Effective as of May 6, 2008
Certificates of Deposit Rates
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Term
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Minimum to Open
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Rate
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APY
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3 Month
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$1,000
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1.99%
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2.00%
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6 Month
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$1,000
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2.13%
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2.15%
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12 Month
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$1,000
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2.48%
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2.50%
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***15 Month Special***
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$1,000
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3.21%
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3.25%
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24 Month
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$1,000
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2.53%
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2.55%
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36 Month
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$1,000
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3.21%
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3.25%
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36 Month Premier
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$1,000
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3.46%
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3.51%
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48 Month
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$1,000
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3.70%
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3.75%
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60 Month
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$1,000
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3.70%
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3.75%
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30 Day Special (ineligible as an IRA)
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$100,000
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1.98%
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2.00%
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* The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. A withdrawal of interest will reduce the earnings and APY. Penalty may be imposed for early withdrawal. Customers with a Premier Checking Account are eligible for Premier CDs
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Money Market Account Rates
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Balance
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Minimum to Open
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Interest Rate*
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APY*
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$0 - $9,999.99
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$1,000.00
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1.00%
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1.00%
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$10,000– $49,999.99
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$1,000.00
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1.49%
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1.50%
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$50,000 – $249,999.99
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$1,000.00
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1.74%
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1.75%
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$250,000 – $499,999.99
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$1,000.00
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1.98%
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2.00%
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$500,000.00
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$1,000.00
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2.23%
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2.75%
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* Rates and Annual Percentage Yield (APY) may change after account opening, as rates are subject to change at any time. Fees could reduce earnings.
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Interest-Bearing Checking Account Rates
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Type
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Minimum to Open
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Interest Rate*
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APY*
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Interest Checking
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$100.00
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0.25%
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0.25%
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Premier Checking
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$100.00
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0.25%
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0.25%
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Free Checking Plus
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$100.00
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.15%
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.15%
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* Rates and Annual Percentage Yield (APY) may change after account opening, as rates are subject to change at any time. Fees could reduce earnings.
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Savings Account Rates
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Type
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Minimum to Open
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Interest Rate
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APY
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Regular Savings
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$100
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.50%
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.50%
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Minor Savings
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$25
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.50%
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.50%
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IRA Savings
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$25
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2.13%
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2.15%
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Goal Setter Savings
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$1
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.50%
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.50%
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Long-Term Care Savings
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$100
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2.13%
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2.15%
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Elite Savings
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$100
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2.13%
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2.15%
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* Rates and Annual Percentage Yield (APY) may change after account opening, as rates are subject to change at any time. Fees could reduce earnings.
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Tiered Interest Bearing Checking Accounts: ELITE CHECKING
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Balance
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Interest Rate*
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APY*
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$0-$34,999.99
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.25%
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.25%
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$35,000 +
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2.08%
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2.10%
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The minimum to open an Elite Checking account is $100.00
* Rates and Annual Percentage Yield (APY) may change after account opening, as rates are subject to change at any time. Fees could reduce earnings.
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Tiered Interest Bearing Checking Accounts: E-CHECKING
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Balance
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Interest Rate*
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APY*
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$0-$2,499.99
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1.00%
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1.00%
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$2,500+
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1.98%
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2.00%
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The minimum to open an E-Checking Checking account is $100.00
*Rates and Annual percentage Yield (APY) may change after account opening, as rates are subject to change at any time. Fees could reduce earnings.
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Tiered Interest Bearing Checking Accounts: HEALTH SAVINGS
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Balance
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Interest Rate*
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APY*
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$0-$999.99
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1.74%
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1.75%
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$1,000-$4,999.99
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1.98%
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2.00%
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$5,000-$9,999.99
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2.23%
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2.25%
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$10,000+
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2.47%
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2.50%
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The minimum to open a Health Savings account is $100.00
*Rates and Annual Percentage Yield (APY) may change after account opening, as rates are subject to change at any time. Fees could reduce earnings.
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