       |
 |
Deposit Rates
Effective Date 3-20-2008
*
|
Account Type
|
Minimum Deposit to Open Account
|
Minimum Daily Balance to Earn APY
|
Interest Rate
|
Annual Percentage Yield (APY)
|
|
|
|
9 Month CD
|
$10,000.00
|
$10,000.00
|
2.74%
|
2.75
|
|
9 Month CD****
|
$2,500.00
|
$2,500.00
|
2.88%
|
2.90%
|
|
37 Month CD
|
$10,000.00
|
$10,000.00
|
2.98%
|
3.00%
|
|
37 Month CD****
|
$2,500.00
|
$2,500.00
|
3.23%
|
3.25%
|
|
|
|
|
|
3
Month CD
|
$500.00
|
$500.00
|
1.74%
|
1.75%
|
|
|
|
6
Month CD
|
$500.00
|
$500.00
|
2.00%
|
2.00%
|
|
|
|
12
Month CD
|
$500.00
|
$500.00
|
2.59%
|
2.60%
|
|
|
|
18
Month CD
|
$500.00
|
$500.00
|
2.69%
|
2.70%
|
|
|
|
24
Month CD
|
$500.00
|
$500.00
|
2.98%
|
3.00%
|
|
|
|
36
Month CD
|
$500.00
|
$500.00
|
3.08%
|
3.10%
|
|
|
|
48
Month CD
|
$500.00
|
$500.00
|
3.23%
|
3.25%
|
|
|
|
60
Month CD
|
$500.00
|
$500.00
|
3.57%
|
3.60%
|
|
60
Month CD****
|
$500.00
|
$500.00
|
3.96%
|
4.00%
|
|
|
|
12
Month IRA ***
|
$500.00
|
$500.00
|
2.74%
|
2.75%
|
|
24
Month IRA ***
|
$500.00
|
$500.00
|
2.98%
|
3.00%
|
|
|
|
Savings**
|
$100.00
|
|
.65%
|
.65%
|
|
Student
Savings**
|
$5.00
|
|
2.48%
|
2.50%
|
|
|
|
Christmas
Club Savings**
|
$25.00
|
|
.35%
|
.35%
|
|
|
|
|
|
Account Type
|
Tier
|
Interest Rate
|
Annual Percentage Yield (APY)
|
|
Health
Savings Account
|
|
|
|
|
-
Tier 1**
|
$2,500 & OVER
|
1.99%
|
2.00%
|
|
-
Tier 2**
|
$0 -- $2499.99
|
1.49%
|
1.50%
|
|
|
|
Interest
Checking
|
|
|
|
|
-
Tier 1**
|
$100,000.00 & OVER
|
.40%
|
.40%
|
|
-
Tier 2**
|
$1,000.00 -- $99,999.99
|
.20%
|
.20%
|
|
|
|
Platinum
Checking
|
$5,000.00 &
OVER
|
1.25%
|
1.25%
|
|
|
|
Investment
Checking
|
|
|
|
|
-
Tier 1
|
$100,000.00 &
OVER
|
2.48%
|
2.50%
|
|
-
Tier 2
|
$50,000.00 --- $99,999.99
|
2.23%
|
2.25%
|
|
|
|
Money
Market**
|
|
|
|
|
-
Tier 1
|
$100,000.00 &
OVER
|
1.74%
|
1.75%
|
|
-
Tier 2
|
$10,000.00 -- $99,999.99
|
1.00%
|
1.00%
|
|
-
Tier 3
|
$2,500.00 -- $9,999.99
|
.50%
|
.50%
|
|
-
Tier 4
|
$0.00 -- $2,499.99
|
.35%
|
.35%
|
|
|
|
Advantage
Money Market**
|
|
|
|
|
-
Tier 1
|
$250,000.00 &
OVER
|
2.72%
|
2.75
|
|
-
Tier 2
|
$100,000.00 -- $249,999.99
|
2.53%
|
2.55%
|
|
-
Tier 3
|
$50,000.00 -- $99,999.99
|
1.49%
|
1.50%
|
|
-
Tier 4
|
$25,000.00 -- $49,999.99
|
1.20%
|
1.20%
|
|
-
Tier 5
|
$10,000.00 -- $24,999.99
|
.95%
|
.95%
|
|
-
Tier 6
|
$0.00 -- $9,999.99
|
.35%
|
.35%
|
|
|
|
|
|
|
DAILY BALANCE
is the amount of principal in the account each day.
APY assumes
interest remains on deposit until maturity.
A penalty may
be imposed for early withdrawal.
Fees could
reduce the earnings on the account.
Rate subject to change.
* ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE AND FEES MAY
REDUCE EARNINGS
** Money Market, Savings and Checking Account Rates are
variable and are subject to change without notice
*** Early withdrawal penalties may apply to CDs and IRAs which
could reduce earnings
**** Special - must have any Loan, Deposit, or Trust and Investment Account.
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