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