Rates
for Certificates of Deposit and
Interest Bearing Accounts
Disclosed
Annual Percentage Yield accurate as of January 30, 2012
Certificates of Deposit Under
$100,000
Minimum to open: $2,500
| Term |
Compounding
Frequency |
APY* |
Interest Rate |
| 30 days |
none |
0.25% |
0.25% |
| 90 days |
At maturity |
0.40% |
0.40% |
| 180 days |
Quarterly |
0.50% |
0.50% |
| 270 days |
Quarterly |
0.50% |
0.50% |
| 12 months |
Quarterly |
.903% |
.90% |
| 18 months |
Quarterly |
.953% |
.95% |
| 2 years |
Quarterly |
1.054% |
1.05% |
| 3 years |
Quarterly |
1.16% |
1.15% |
| 4 years |
Quarterly |
1.21% |
1.20% |
| 5 years |
Quarterly |
1.26% |
1.25% |
Certificates
of Deposit $100,000 and Over
Minimum to open: $100,000
| Number of Days |
Compounding
Frequency |
APY* |
Interest Rate |
| 7-29 |
None |
0.50% |
0.50% |
| 30-59 |
None |
0.50% |
0.50% |
| 60-89 |
None |
0.50% |
0.50% |
| 90-119 |
Quarterly |
0.55% |
0.55% |
| 120-149 |
Quarterly |
0.55% |
0.55% |
| 150-179 |
Quarterly |
0.55% |
0.55% |
| 180-209 |
Quarterly |
0.65% |
0.65% |
| 210-269 |
Quarterly |
0.95% |
0.95% |
| 270-364 |
Quarterly |
0.95% |
0.95% |
| 365 |
Quarterly |
0.95% |
0.95% |
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 |
0.20% |
0.20% |
|
|
|
|
|
| Personal Money Market Accounts
(minimum to open is $100.00) |
| Under $2,500 |
No interest earned |
.00% |
.00% |
| $2,500-$49,999.99 |
Monthly |
0.40% |
0.40% |
| $50,000-$89,999.99 |
Monthly |
0.50% |
0.50% |
| $90,000- + |
Monthly |
0.50% |
0.50% |
| |
|
|
|
| Prime Star Money Market Account
(minimum to open is $100.00) |
| $.01-$49,999.99 |
Monthly |
0.50% |
0.50% |
| $50,000-$99,999.99 |
Monthly |
0.55% |
0.55% |
| $100,000-$249,999.99 |
Monthly |
0.60% |
0.60% |
| $250,000+ |
Monthly |
0.85% |
0.85% |
|
| Savings
(minimum to open is $100.00) |
| $0-$9,999.99 |
Quarterly |
0.20% |
0.20% |
| $10,000-$24,999.99 |
Quarterly |
0.25% |
0.25%
|
| $25,000-$49,999.99 |
Quarterly |
0.30% |
0.30% |
| $50,000+ |
Quarterly |
0.35% |
0.35% |
| |
|
|
|
| Quinceanera Savings |
| $100.00 |
Quarterly |
0.30% |
0.30% |
|
| |
| Account Analysis |
Earnings Credit Rate |
|
0.25% |
| Federal
Funds Rate |
|
|
0.25% |
| Discount
Rate |
|
|
0.50% |
| Prime
Rate |
|
|
3.25% |
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. |
|