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(Effective 05/12/08) Call for information on our CD/IRA Specials!
Certificate of Deposit (CD/IRA) Rates
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| Term |
Minimum Deposit** |
Compounds |
Rate |
APY* |
| 3 Months |
$1,000.00 |
Quarterly |
2.30% |
2.35% APY |
| 6 Months |
$1,000.00 |
Quarterly |
2.23% |
2.25% APY |
| 12 Months |
$1,000.00 |
Quarterly |
2.23% |
2.25% APY |
| 24 Months |
$1,000.00 |
Quarterly |
2.28% |
2.30% APY |
| 36 Months |
$1,000.00 |
Quarterly |
2.58% |
2.60% APY |
| 48 Months |
$1,000.00 |
Quarterly |
2.72% |
2.75% APY |
| 60 Months |
$1,000.00 |
Quarterly |
2.97% |
3.00% APY |
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| *APY= Annual Percentage Yield |
| **Substantial penalty for early withdrawal. |
| INTEREST CHECKING |
| Minimum Balance |
Compounds |
Rate |
APY* |
Service Charge |
| $0-$2,499.99 |
Monthly |
0.20% |
.20%
|
$10.00 if balance falls below $1,000.00 |
| $2,500.00-$9,999.99 |
Monthly |
0.35% |
0.35% |
No Service Charge |
| $10,000.00-$24,999.99 |
Monthly |
0.50% |
0.50% |
No Service Charge |
| $25,000.00-$49,999.99 |
Monthly |
0.50% |
0.50% |
No Service Charge |
| $50,000.00 + |
Monthly |
0.75% |
0.75% |
No Service Charge |
| *APY=Annual Percentage Yield |
| Customer can write unlimited checks a month without a per item charge. |
| CHOICE INTEREST CHECKING |
| Minimum Balance |
Compounds |
Rate |
APY* |
Service Charge |
| $0-$4,999.99 |
Monthly |
0.50% |
0.50% |
$15.00 if balance falls below $5,000. |
| $5,000.00-$24,999.99 |
Monthly |
1.24% |
1.25% |
No Service Charge |
| $25,000.00-$49,999.99 |
Monthly |
1.74% |
1.75% |
No Service Charge |
| $50,000.00-$99,999.99 |
Monthly |
1.98% |
2.00% |
No Service Charge |
| $100,000.00 + |
Monthly |
2.23% |
2.25% |
No Service Charge |
| *APY=Annual Percentage Yield |
| Tiered interest - Interest earned on total balance. Rate is variable and earning are credited monthly. |
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VIP-50
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| Minimum Balance |
Compounds |
Rate |
APY* |
Service Charge |
| 0-$99.99 |
Monthly |
0.25% |
0.25% |
$10 if balance fall below $100 |
| $100+ |
Monthly |
0.25% |
0.25% |
No Service Charge |
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*APY=Annual Percentage Yield. Interest earned on total balance.
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CHOICE MONEY MARKET
|
| Minimum Balance |
Compounds |
Rate |
APY* |
|
| $0-$2,499.99 |
Monthly |
0.25% |
0.25% |
$12.00 if balance falls below $2,500.00 |
| $2,500.00-$9,999.99 |
Monthly |
0.50% |
0.50% |
No Service Charge |
| $10,000.00-$24,999.99 |
Monthly |
1.24% |
1.25% |
No Service Charge |
| $25,000.00-$49,999.99 |
Monthly |
1.74% |
1.75% |
No Service Charge |
| $50,000.00-$99,999.99 |
Monthly |
1.98% |
2.00% |
No Service Charge |
| $100,000.00-$199,999.99 |
Monthly |
2.23% |
2.25% |
No Service Charge |
| $200,000.00 + |
Monthly |
2.47% |
2.50% |
No Service Charge |
| *APY=Annual Percentage Yield |
REGULAR SAVINGS
|
| Minimum Balance |
Compounds |
Rate |
APY* |
Service Charge |
| $0.00 |
Quarterly |
0.40% |
0.40% |
$12 per Quarter. Fee can be avoided if minimum daily balance of $500 is maintained. No service charge for customers age 50 and over. |
| *APY=Annual Percentage Yield |
| A variable interest rate is paid for balances over $500.00. |
| There is a charge of $2.00 per withdrawal in excess of 3 per statement cycle. |
YOUTH SAVINGS
|
| Minimum Balance |
Compounds |
Rate |
APY* |
Service Charge |
| $0 |
Quarterly |
0.40% |
0.40% |
$2 for each withdrawl over 3 per quarter. |
| Youth Savings (under age 20). |
| Account pays interest on all balances. |
| *APY=Annual Percentage Yield |
IRA PLUS
|
| Minimum Balance |
Compounds |
Rate |
APY* |
|
| $0-$2,999.99 |
Quarterly |
0.25% |
0.25% |
|
| $3,000.00-$9,999.99 |
Quarterly |
0.50% |
0.50% |
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| $10,000.00-$24,999.99 |
Quarterly |
0.75% |
0.75% |
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| $25,000.00-$49,999.99 |
Quarterly |
1.24% |
1.25% |
|
| $50,000.00-$99,999.99 |
Quarterly |
1.49% |
1.50% |
|
| $100,000.00 + |
Quarterly |
1.74% |
1.75% |
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| *APY=Annual Percentage Yield |
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