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DEPOSIT
RATES
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Certificates of Deposit
|
|
Term
|
Minimum to Open
|
Interest Rate
|
APY**
|
|
91 Days
|
$1,000.00
|
1.54%
|
1.55%
|
|
182 Days
|
$1,000.00
|
2.00%
|
2.02%
|
|
12 Months
|
$1,000.00
|
2.37%
|
2.40%
|
|
18 Months
|
$1,000.00
|
2.37%
|
2.40%
|
|
24 Months
|
$1,000.00
|
2.47%
|
2.50%
|
|
30 Months
|
$1,000.00
|
2.47%
|
2.50%
|
|
36 Months
|
$1,000.00
|
2.66%
|
2.70%
|
|
48 Months
|
$1,000.00
|
3.00%
|
3.05%
|
|
60 Months
|
$1,000.00
|
3.10%
|
3.15%
|
Rates effective through 11/24/2008.
Penalty for early withdrawal.
**APY – Annual Percentage Yield.
Fees may reduce earnings on the account.
Ask a Customer Service Representative about the fees and other terms that apply to these accounts.
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|
Money Market*
|
|
Tier***
|
Interest Rate
|
APY**
|
|
$250,000 and above
|
1.55%
|
1.56%
|
|
$100,000.00 - $249,999.99
|
1.30%
|
1.31%
|
|
$50,000.00 - $99,999.99
|
1.05%
|
1.06%
|
|
$25,000.00 - $49,999.99
|
0.55%
|
0.55%
|
|
$5,000.00 - $24,999.99
|
0.05%
|
0.05%
|
|
$0 - $4,999.99
|
0%
|
0%
|
Rates effective through 11/24/2008.
*Rates may change after account opening.
**APY – Annual Percentage Yield.
***Tier ranges are based on your daily available balance.
Fees may reduce earnings on the account.
Ask a Customer Service Representative about the fees and other terms that apply to these accounts.
|
|
Checking*
|
|
Type
|
Interest Rate
|
APY**
|
|
Interest-bearing Checking
|
0.20%
|
0.20%
|
|
Choice 50
|
0.20%
|
0.20%
|
Rates effective through 11/24/2008.
*Rates may change after account opening.
**APY – Annual Percentage Yield.
Fees may reduce earnings on the account.
Ask a Customer Service Representative about the fees and other terms that apply to these accounts.
|
|
Savings*
|
|
Type
|
Interest Rate
|
APY**
|
|
Regular
|
0.40%
|
0.40%
|
|
Holiday Club
|
0.40%
|
0.40%
|
Rates effective through 11/24/2008.
*Rates may change after account opening.
**APY – Annual Percentage Yield.
Fees may reduce earnings on the account.
Ask a Customer Service Representative about the fees and other terms that apply to these accounts.
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|
Individual Retirement Accounts
|
|
Term
|
Minimum to Open
|
Interest Rate
|
APY**
|
|
18 Month Variable*
|
$1,000.00
|
3.00%
|
3.05%
|
|
91 Days
|
$1,000.00
|
1.79%
|
1.81%
|
|
182 Days
|
$1,000.00
|
2.25%
|
2.28%
|
|
12 Months
|
$1,000.00
|
2.62%
|
2.65%
|
|
18 Months
|
$1,000.00
|
2.62%
|
2.65%
|
|
24 Months
|
$1,000.00
|
2.72%
|
2.76%
|
|
30 Months
|
$1,000.00
|
2.72%
|
2.76%
|
|
36 Months
|
$1,000.00
|
2.91%
|
2.95%
|
|
48 Months
|
$1,000.00
|
3.25%
|
3.30%
|
|
60 Months
|
$1,000.00
|
3.35%
|
3.41%
|
Rates effective through 11/24/2008.
Penalty for early withdrawal.
*Rates may change after account opening.
**APY – Annual Percentage Yield.
Fees may reduce earnings on the account.
Ask a Customer Service Representative about the fees and other terms that apply to these accounts.
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