Deposit Rates
Rates Effective as of March 30, 2012 and are subject to change without notice.
CD Rates
| Term | Minimum Opening Deposit | Minimum Balance to Obtain Annual Percentage Yield | Interest Rate | Annual Percentage Yield |
|---|---|---|---|---|
| 6 month | $2,500.00 | $2,500.00 | 0.49% | 0.50% |
| 12 month | $500.00 | $500.00 | 0.49% | 0.50% |
| 15 month SPECIAL! | $500.00 | $500.00 | .49% | .50% |
| 18 month | $500.00 | $500.00 | .49% | 0.50% |
| 24 month | $500.00 | $500.00 | .74% | .75% |
| 30 month | $500.00 | $500.00 | .49% | .50% |
| 31 month (One Time Rate Change Option) | $500.00 | $500.00 | .49% | .50% |
| 36 month | $500.00 | $500.00 | .80% | .81% |
| 48 month | $500.00 | $500.00 | 1.00% | 1.02% |
| 60 month (One Time Rate Change Option) | $500.00 | $500.00 | 1.47% | 1.50% |
| 72 month | $500.00 | $500.00 | 1.47% | 1.50% |
A penalty may be imposed for early withdrawal.
Money Market Rates
| Daily Balance | Minimum Opening Deposit | Interest Rate | Annual Percentage Yield |
|---|---|---|---|
| Up to $2,499.99 | $2,500.00 | 0.00% | 0.00% |
| $2,500.00 - $4,999.99 | $2,500.00 | 0.10% | 0.10% |
| $5,000.00 - $9,999.99 | $2,500.00 | 0.25% | 0.25% |
| $10,000.00 - $39,999.99 | $2,500.00 | 0.25% | 0.25% |
| $40,000.00 - $9,999,999.00 | $2,500.00 | 0.49% | 0.50% |
The interest rate and annual percentage yield may change after account opening.
Fees could reduce the earnings on the account.
Checking Rates
| Account Type | Minimum Opening Deposit | Minimum Balance* | Interest Rate | Annual Percentage Yield |
|---|---|---|---|---|
| 50+ Free Interest Checking With Rewards | $25.00 | .00 | 0.10% | 0.10% |
| VIP Free Interest Checking With Rewards | $25.00 | .00 | 0.10% | 0.10% |
| High Interest Checking (Balances up to $2,499.99) With Rewards | $25.00 | .00 | 0.10% | 0.10% |
| High Interest Checking (Balances $2,500.00-$25,000 With Rewards | $25.00 | $2,500.00 | .49% | .50% |
| High Interest Checking
(Balances above $25,001) With Rewards | $25.00 | $25,001 | .10% | .10% |
| Totally Free Checking With Rewards | $25.00 | .00 | .00% | .00% |
*Daily balance. The amount of the principal in the account each day.
The interest rate and annual percentage yield may change after account opening.
Fees could reduce the earnings on the account.
Savings Rates
| Account Type | Minimum Opening Deposit | Minimum Balance* | Interest Rate | Annual Percentage Yield |
|---|---|---|---|---|
| Statement | $10.00 | $10.00 | 0.10% | 0.10% |
| Passbook | $10.00 | $10.00 | 0.10% | 0.10% |
| Christmas Club | $1.00 | $1.00 | 0.10% | 0.10% |
*Daily balance. The amount of the principal in the account each day.
The interest rate and annual percentage yield may change after account opening.
Fees could reduce the earnings on the account.
For current rate information, call (315) 493-3480 or (800) 232-0450.
