Rates
for Certificates of Deposit and
Interest Bearing Accounts
Disclosed
Annual Percentage Yield accurate as of July 1, 2008
Certificates of Deposit Under
$100,000
Minimum to open: $1,000
| Term |
Compounding
Frequency |
APY* |
Interest Rate |
| 30 days |
none |
0.75% |
0.75% |
| 90 days |
At maturity |
1.26% |
1.25% |
| 180 days |
Quarterly |
1.96% |
1.95% |
| 270 days |
Quarterly |
1.96% |
1.95% |
| 365 days |
Quarterly |
2.52% |
2.50% |
| 18 months |
Quarterly |
2.57% |
2.55% |
| 2 years |
Quarterly |
2.57% |
2.55% |
| 3 years |
Quarterly |
2.57% |
2.55% |
| 4 years |
Quarterly |
2.57% |
2.55% |
| 5 years |
Quarterly |
2.57% |
2.55% |
Certificates
of Deposit $100,000 and Over
Minimum to open: $100,000
| Number of Days |
Compounding
Frequency |
APY* |
Interest Rate |
| 7-29 |
None |
0.75% |
0.75% |
| 30-59 |
None |
1.00% |
1.00% |
| 60-89 |
None |
1.00% |
1.00% |
| 90-119 |
Quarterly |
1.51% |
1.50% |
| 120-149 |
Quarterly |
1.51% |
1.50% |
| 150-179 |
Quarterly |
1.51% |
1.50% |
| 180-209 |
Quarterly |
2.27% |
2.25% |
| 210-269 |
Quarterly |
2.27% |
2.25% |
| 270-364 |
Quarterly |
2.27% |
2.25% |
| 365 |
Quarterly |
2.78% |
2.75% |
Interest Bearing Deposit Accounts
|
Compounding
Frequency |
APY* |
Interest
Rate |
| NOW Account
(minimum to open is $100.00) |
| Under $1,499.99 |
No interest earned |
.00% |
.00% |
| $1,500+ |
Monthly |
.50% |
.50% |
|
|
|
|
Business Checking with Interest
(minimum to open is $500.00) |
| Under $2,499.99 |
No interest earned |
.00% |
.00% |
| $2500.00 + |
Monthly |
.50% |
.50% |
|
| Money Market Accounts
(minimum to open is $100.00) |
| Under $2,500 |
No interest earned |
.00% |
.00% |
| $2,500-$49,999.99 |
Monthly |
0.86% |
0.85% |
| $50,000-$89,999.99 |
Monthly |
1.06% |
1.05% |
| $90,000- + |
Monthly |
1.21% |
1.20% |
| |
|
|
|
| Prime Star Account
(minimum to open is $100.00) |
| $.01-$49,999.99 |
Monthly |
1.02% |
1.00% |
| $50,000-$99,999.99 |
Monthly |
1.253% |
1.25% |
| $100,000-$249,999.99 |
Monthly |
2.53% |
2.50% |
| $250,000+ |
Monthly |
2.784% |
2.75% |
|
| Savings
(minimum to open is $50.00) |
| $0-$9,999.99 |
Quarterly |
.50% |
.50% |
| $10,000-$24,999.99 |
Quarterly |
.70% |
.70%
|
| $25,000-$49,999.99 |
Quarterly |
0.81% |
0.80%
|
| $50,000+ |
Quarterly |
1.06% |
1.05% |
|
| Advantage Checking
(minimum to open is $100) |
| $0.00 - $1,499.99 |
No interest earned |
.00% |
.00% |
| $1500.00+ |
Monthly |
.40% |
.40% |
| |
|
Holiday Savings (minimum to open is $20.00) |
$20.00+ |
Simple |
1.77% |
1.75% |
| |
|
|
|
| Account Analysis |
Earnings Credit Rate |
|
1.89% |
| Federal
Funds Rate |
|
|
2.10% |
| Discount
Rate |
|
|
2.25% |
| Prime
Rate |
|
|
5.00% |
Penalties for early withdrawal. Interest
rates are subject to change without notice. APY* disclosed assumes interest remains on
deposit until maturity. Interest rates may change after
the account is opened. Fees could reduce earnings. |
|