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Deposit Rates


Deposit Rates | Mortgage Loan Rates | Consumer Loan Rates



Rates effective as of January 1, 2009
SAVINGS ACCOUNTS*
Type of Account Minimum Deposit
to Open
Minimum Balance
to Obtain APY **
Interest Rate APY**
Statement Savings $100 $100 1.00% 1.00%
Christmas Club $10 $10 1.00% 1.00%

* The rate may change after the account is opened, and fees may reduce earnings.
**Annual Percentage Yield

CHECKING ACCOUNTS*
Type of Account Minimum Deposit
to Open
Minimum Balance
to Obtain APY **
Interest Rate APY**
Regular Checking $100 $.01 0.40% 0.40%
Check Back Account $100 $.01 0.25% 0.25%
Senior Checking $100 $500 0.45% 0.45%
Student Checking $100 $500 0.45% 0.45%
Totally Free Checking $25 N/A N/A N/A

* The rate may change after the account is opened, and fees may reduce earnings.
**Annual Percentage Yield

MONEY MARKET ACCOUNT*
Type of Account Minimum Deposit
to Open
Minimum Balance
to Obtain APY **
Interest Rate APY**
Money Market Account $2,500 <$2,500
>$2,500
1.00%
1.10%
1.00%
1.11%
* The rate may change after the account is opened, and fees may reduce earnings.
**Annual Percentage Yield

CERTIFICATES OF DEPOSIT*
Type of Account Minimum Deposit
to Open
Minimum Balance
to Obtain APY **
Interest Rate APY**
30 Day $1,000 $1,000 0.15% 0.15%
91 Day $1,000 $1,000 1.30% 1.31%
6 Month $1,000 $1,000 1.70% 1.71%
8 Month $1,000 $1,000 1.75% 1.76%
10 Month $1,000 $1,000 1.80% 1.81%
1 Year $1,000 $1,000 1.90% 1.91%
13 Month $1,000 $1,000 1.95% 1.96%
15 Month $1,000 $1,000 2.00% 2.02%
17 Month $1,000 $1,000 2.05% 2.07%
18 Month $1,000 $1,000 2.10% 2.12%
19 Month $1,000 $1,000 2.97% 3.00%
21 Month Step-Up $1,000 $1,000 2.20% 2.22%
2 Year $1,000 $1,000 2.25% 2.27%
2.5 Year $1,000 $1,000 2.30% 2.32%
3 Year $1,000 $1,000 2.35% 2.37%
5 Year $1,000 $1,000 2.40% 2.42%
IRA 18 Month Variable *** $100 $100 1.80% 1.81%

*An early withdrawal penalty may exist for certificates.
**Annual Percentage Yield
***The rate may change after the account is opened.