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Rates effective as of February 2, 2012
SAVINGS ACCOUNTS*
|
| Type of Account |
Minimum Deposit
to Open |
Minimum Balance
to Obtain APY ** |
Interest Rate |
APY** |
| Statement Savings |
$100 |
$100 |
0.20% |
0.20% |
| Christmas Club |
$10 |
$10 |
0.20% |
0.20% |
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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 |
0.10% |
0.10% |
| Check Back Account |
$100 |
$.01 |
0.05% |
0.05% |
| Senior Checking |
$100 |
$500 |
0.15% |
0.15% |
| Student Checking |
$100 |
$500 |
0.15% |
0.15% |
| 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 |
.15%
.20% |
.15%
.20% |
| * 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 |
0.05% |
0.05% |
| 91 Day |
$1,000 |
$1,000 |
0.10% |
0.10% |
| 6 Month |
$1,000 |
$1,000 |
0.15% |
0.15% |
| 8 Month |
$1,000 |
$1,000 |
0.15% |
0.15% |
| 10 Month |
$1,000 |
$1,000 |
0.45% |
0.45% |
| 1 Year |
$1,000 |
$1,000 |
0.30% |
0.30% |
| 13 Month |
$1,000 |
$1,000 |
0.35% |
0.35% |
| 15 Month |
$1,000 |
$1,000 |
0.60% |
0.60% |
| 17 Month |
$1,000 |
$1,000 |
0.40% |
0.40% |
| 18 Month |
$1,000 |
$1,000 |
0.45% |
0.45% |
| 19 Month |
$1,000 |
$1,000 |
0.50% |
0.50% |
| 21 Month Step-Up |
$1,000 |
$1,000 |
0.55% |
0.55% |
| 2 Year |
$1,000 |
$1,000 |
0.60% |
0.60% |
| 2.5 Year |
$1,000 |
$1,000 |
0.65% |
0.65% |
| 3 Year |
$1,000 |
$1,000 |
0.70% |
0.70% |
| 5 Year |
$1,000 |
$1,000 |
0.75% |
0.75% |
| IRA 18 Month Variable *** |
$100 |
$100 |
0.15% |
0.15% |
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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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