| Current Rates on Savings and Checking Accounts | |||
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Account
|
Minimum Balance to Open Account
|
Minimum Balance to Obtain APY
|
APY
|
|
SAVINGS(1)
|
$50.00
|
$0.01
|
.50%
|
|
NOW Account (2)
|
$1,000.00*
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$1,000.00 to $4,999.99
|
.25%
|
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$5,000.00 to $9,999.99
|
.50%
|
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$10,000.00 and up
|
.75%
|
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MONEY MARKET(3)
|
$2,500.00*
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$2,500.00 to $9,999.99
|
.50%
|
|
$10,000.00 to $24,999.99
|
.75%
|
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|
$25,000.00 and up
|
1.00%
|
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|
(1)This is a variable rate account; the rate and APY may change after the account is opened (2)This is a variable rate account;, the rate and APY may change after the account is opened You must maintain a minimum daily balance of $1,000.00 to obtain the disclosed APY * A Service charge of $15.00 will be charged to your account if your balance falls below the minimum balance (3)This is a variable rate account; the rate and APY may change after the account is opened. You must maintain a minimum daily balance of 2,500.00 to obtain the disclosed APY *A Service charge of $25.00 will be charged to your account if your balance falls below the minimum (1,2,3)Fees may reduce earnings. |
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CERTIFICATES Rates are effective as of 04/15/08 |
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TERM
|
INTEREST RATE
|
APY
|
|
3 month
|
1.49%
|
1.50%
|
|
6 month
|
1.88%
|
1.90%
|
|
12 month
|
1.98%
|
2.00%
|
|
18 month
|
2.03%
|
2.05%
|
|
24 month
|
2.13%
|
2.15%
|
|
30 month
|
2.23%
|
2.25%
|
|
36 month
|
2.47%
|
2.50%
|
|
48 month
|
2.72%
|
2.75%
|
|
60 month
|
3.20%
|
3.25%
|
|
A substantial penalty may be imposed for early withdrawal. APY assumes interest remains on deposit until maturity and any withdrawal will reduce earnings. $1,000.00 minimum balance to open the account |
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Individual Retirement Accounts Rates are effective as of 04/15/08 |
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|
TERMS
|
INTEREST RATE
|
APY
|
|
3 month
|
1.49%
|
1.50%
|
|
6 month
|
1.88%
|
1.90%
|
|
12 month
|
1.98%
|
2.00%
|
|
18 month
|
2.03%
|
2.05%
|
|
24 month
|
2.13%
|
2.15%
|
|
30 month
|
2.23%
|
2.25%
|
|
36 month
|
2.47%
|
2.50%
|
|
48 month
|
2.72%
|
2.75%
|
|
60 month
|
3.20%
|
3.25%
|
|
A substantial penalty may be imposed for early withdrawal. APY assumes interest remains on deposit until maturity and a withdrawal will reduce earnings. |
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