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Rates
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Special CD's
*SPECIAL MONEY MARKET CD: 1-MONTH CD
TIER 4:$200,000 AND OVER 2.20% INTEREST 2.22%APY
TIER 3:$25,000 - $199,999 2.10% INTEREST 2.12%APY
TIER 2:$2,500 - $24,999 2.00% INTEREST 2.02%APY
TIER 1:$500 - $2,499 1.90% INTEREST 1.91%APY
COMPOUNDS MONTHLY. NO EARLY WITHDRAWL PENALITES. INTEREST ADDED TO BALANCE MONTHLY. MINIMUM DEPOSIT OF $500 REQUIRED. MINIMUM BALANCE OF $500 TO OBTAIN APY. AUTOMATICALLY RENEWS AT THE RATE BEING OFFERED ON THIS TYPE OF CD AT MATURITY. ADDITIONS ($500 MINIMUM) AND WITHDRAWLS ($500 MINIMUM) ALLOWED AT ANY TIME WITHOUT PENALTY.
*SPECIAL LIMITED TIME OFFER: 18 MONTH CD 3.20% INTEREST RATE, 3.23% APY. INTEREST PAID SEMI-ANNUALLY, MINIMUM DEPOSIT OF $5,000. INTEREST PAID QUARTERLY BY CHECK AT CUSTOMERS REQUEST. AUTOMATICALLY RENEWABLE AT THE RATE OFFERED ON OUR REGULAR 18 MONTH CD'S.
*SPECIAL LIMITED TIME OFFER: 36 MONTH STEP-UP CD 3.25% INTEREST RATE, 3.25% APY. INTEREST PAID ANNUALLY, MINIMUM DEPOSIT OF $5,000. AUTOMATICALLY RENEWABLE AT THE RATE OFFERED ON OUR REGULAR 36 MONTH CD'S. WITH THIS SPECIAL CD, YOU GET THE OPPORTUNITY TO ADJUST YOUR RATE IF INTEREST RATES START GOING UP. YOU HAVE THE OPTION TO STEP-UP YOUR RATE ONCE DURING THE TERM TO THE NEW, HIGHER RATE ON 36 MONTH CD'S.
THE FOLLOWING RATES ARE SUBJECT TO CHANGE WEEKLY: PLEASE CALL FOR CURRENT RATES.
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December 2, 2008
REGULAR CDs
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| Minimum Deposit of $500 to Obtain the APY |
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$500 to $9,999 |
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$10,000 to $24,000 |
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$25,000 to $94,999 |
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| CDs |
INTEREST RATE |
APY |
INTEREST RATE |
APY |
INTEREST RATE |
APY |
| *91 DAY |
1.90 |
1.91 |
2.00 |
2.02 |
2.10 |
2.12 |
| *182 DAY |
2.10 |
2.11 |
2.20 |
2.21 |
2.30 |
2.31 |
| *1 YEAR |
2.50 |
2.50 |
2.60 |
2.60 |
2.70 |
2.70 |
| *18 MONTH |
2.60 |
2.62 |
2.70 |
2.72 |
2.80 |
2.82 |
| *2 YEAR |
2.80 |
2.80 |
2.90 |
2.90 |
3.00 |
3.00 |
| *3 YEAR |
3.00 |
3.00 |
3.10 |
3.10 |
3.20 |
3.20 |
| *4 YEAR |
3.20 |
3.20 |
3.30 |
3.30 |
3.40 |
3.40 |
INVESTMENT SAVINGS
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| |
% RATE |
% APY |
| $500 - $2499 |
1.25 |
1.26 |
| $2500 - $9999 |
1.35 |
1.36 |
| $10,000 - $14,999 |
1.45 |
1.46 |
| $15,000 - $49,999 |
1.55 |
1.56 |
| $50,000 & UP |
1.65 |
1.66 |
TREASURY SAVINGS
|
| |
% RATE |
% APY |
| $5,000 - $9,999 |
1.60 |
1.61 |
| $10,000 - $24,999 |
1.70 |
1.71 |
| $25,000 - $74,999 |
1.80 |
1.81 |
| $75,000 - $99,999 |
1.90 |
1.92 |
| $100,000 - over |
2.00 |
2.02 |
PASSBOOK SAVINGS
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| |
% RATE |
% APY |
| $200 - $400 |
0.25 |
0.25 |
| $500 - up |
0.50 |
0.50 |
CHECKING
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| FIRST CHECKING |
% RATE |
% APY |
| $500 & UP |
0.25 |
0.25 |
| FIRST PLUS & 50 |
|
|
| $500 & UP |
0.25 |
0.25 |
| FIRST REWARD |
|
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| Up to $25,000 |
3.94 |
4.01* |
| $25,000 & Up |
1.00 |
1.01* |
| *If requirements are met |
|
|
| First Reward |
0.50 |
0.50** |
| **If requirements are not met |
|
|
SUPER NOW |
% RATE |
% APY |
| $500 - $2499 |
0.25 |
0.25 |
| $2500 & UP |
0.50 |
0.50 |
| NOW BUSINESS |
0.50 |
0.50 |
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| IRA |
% RATE |
% APY |
| $1-$2,500 |
2.75 |
2.78 |
| $2,501-$9,999 |
2.85 |
2.88 |
| $10,000-$14,999 |
2.95 |
2.98 |
| $15,000-$49,999 |
3.05 |
3.09 |
| $50,000 & UP |
3.15 |
3.19 |
PLEASE ASK OUR BANK EMPLOYEES ABOUT FEES AND TERMS
ON OUR ACCOUNTS. FEES COULD REDUCE THE EARNINGS ON THE ACCOUNT. APY
STANDS FOR ANNUAL PERCENTAGE YIELD. DEPOSITS ARE FDIC INSURED TO
$100,000, ADDITIONAL INSURANCE IN EXCESS OF $100,000 IS AVAILABLE. SEE
BANK OFFICER FOR DETAILS. THIS BANK IS A MEMBER OF FDIC.
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