Interest Rates
Certificate Of Deposit Rates
Rates effective as of 07/23/2008
|
| Certificates |
Minimum Balance to Open |
Interest Rate* |
Annual Percentage Yield (APY) |
| 03 Month CD |
$1,000.00 |
2.00% |
2.01% |
| 06 Month CD |
$1,000.00 |
3.50% |
3.53% |
| 12 Month CD |
$1,000.00 |
2.40% |
2.41% |
| 18 Month CD |
$1,000.00 |
2.98% |
3.00% |
| 24 Month CD |
$1,000.00 |
2.60% |
2.62% |
| 30 Month CD |
$1,000.00 |
2.70% |
2.72% |
| 36 Month CD |
$1,000.00 |
4.01% |
4.05% |
| 48 Month CD |
$1,000.00 |
2.80% |
2.82% |
| 60 Month CD |
$1,000.00 |
3.15% |
3.17% |
| Additions are not allowed during the term of the Certificate of Deposit. Withdrawals of principal may be subject to penalty. Rates are subject to change daily. |
Deposit Rates
Rates effective as of 06/03/2008
SAVINGS ACCOUNTS
|
| Account Type |
Minimum Balance to Open |
Minimum Balance To Obtain the APY |
Interest Rate* |
Annual Percentage Yield (APY) |
| Passbook Savings |
$50.00 |
$25.00 |
1.00% |
1.00% |
| IRA Savings |
|
|
3.00% |
3.02% |
| Prime Time Money Market Account |
$10,000.00 |
$ 1,000.00 |
1.00% |
1.00% |
|
$25,000.00 |
$10,000.00 |
1.20% |
1.21% |
|
$50,000.00 |
$25,000.00 |
1.30% |
1.31% |
| Over |
$50,000.00 |
$50,000.00 |
1.40% |
1.41% |
CHECKING ACCOUNTS
|
| Account Type |
Minimum Balance to Open |
Minimum Balance To Obtain the APY |
Interest Rate* |
Annual Percentage Yield (APY) |
| Super Now Accounts |
$ 1,000.00 |
$ 1,000.00 |
1.00% |
1.00% |
|
$25,000.00 |
$ 5,000.00 |
1.10% |
1.11% |
| Over |
$25,000.00 |
$25,000.00 |
1.25% |
1.26% |
| *For interest earning accounts the rate is variable and may change after the account is opened. |
Fees
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account:
|
| Check Printing |
(Fee depends on style of check ordered) |
Dormant Savings account fee*
This fee is charged semiannually and if the balance is below $50.00 |
$10.00 |
| Dormant Checking Accounts** |
$1.00 per month if balance is below $25.00 |
| Overdraft (each debit or check paid) |
$21.00 |
| Non-sufficient funds (NSF) item (each) |
$21.00 |
| Stop Payments (all items) |
$10.00 |
| Wire Transfers Outgoing (Domestic) |
$10.00 |
| Online Banking |
Free |
| Bill Pay |
Free |
| *A Savings account is dormant if for 18 months you have made no deposits or withdrawals to the account. |
| **A Checking Account will become dormant after 12 months if there are no withdrawals or deposits to the account. |
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