Deposit Rates
Effective Date 2-5-2010*
|
Account Type
|
Minimum Deposit to Open Account
|
Minimum Daily Balance to Earn APY
|
Interest Rate
|
Annual Percentage Yield (APY)
|
|
|
|
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|
25 Month CD
|
$10,000.00
|
$10,000.00
|
2.14%
|
2.15%
|
|
|
25 Month CD****
|
$2,500.00
|
$2,500.00
|
2.19%
|
2.20%
|
|
|
47 Month CD
|
$10,000.00
|
$10,000.00
|
2.49%
|
2.50%
|
|
|
47 Month CD****
|
$2,500.00
|
$2,500.00
|
2.54%
|
2.55%
|
|
|
|
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|
|
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|
3 Month CD
|
$500.00
|
$500.00
|
.45%
|
.45%
|
|
|
6 Month CD
|
$500.00
|
$500.00
|
.75%
|
.75%
|
|
|
12 Month CD
|
$500.00
|
$500.00
|
1.245%
|
1.25%
|
|
|
18 Month CD
|
$500.00
|
$500.00
|
1.49%
|
1.50%
|
|
|
24 Month CD
|
$500.00
|
$500.00
|
1.99%
|
2.00%
|
|
|
36 Month CD
|
$500.00
|
$500.00
|
2.24%
|
2.25%
|
|
|
48 Month CD
|
$500.00
|
$500.00
|
2.49%
|
2.50%
|
|
|
60 Month CD
|
$500.00
|
$500.00
|
2.93%
|
2.95%
|
|
|
60 Month CD****
|
$500.00
|
$500.00
|
2.98%
|
3.00%
|
|
|
|
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|
12 Month IRA ***
|
$500.00
|
1.49%
|
1.50%
|
||
|
24 Month IRA ***
|
$500.00
|
2.09%
|
2.10%
|
||
|
|
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|
Savings**
|
$100.00
|
|
.20%
|
.20%
|
|
|
Student Savings**
|
$5.00
|
|
.55%
|
.55%
|
|
|
|
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|
Christmas Club Savings**
|
$25.00
|
|
.10%
|
.10%
|
|
|
|
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|
|
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|
Account Type
|
Minimum Deposit
to Open Account |
Tier
|
Interest Rate
|
Annual Percentage Yield (APY)
|
|
|
Health Savings Account
|
|||||
|
- Tier 1**
|
$2,500 & OVER
|
.50%
|
.50%
|
||
|
- Tier 2**
|
$0 -- $2499.99
|
.20%
|
.20%
|
||
|
|
|||||
|
Interest Checking
|
$1000.00
|
|
|
|
|
|
- Tier 1**
|
$100,000.00 & OVER
|
.10%
|
.10%
|
||
|
- Tier 2**
|
$1,000.00 -- $99,999.99
|
.05%
|
.05%
|
||
|
|
|||||
|
Platinum Checking*****
|
$5,000.00
|
$5,000.00 & OVER
|
.30%
|
.30%
|
|
|
|
|||||
|
Investment Checking
|
$50,000
|
|
|
|
|
|
- Tier 1
|
$100,000.00 & OVER
|
.55%
|
.55%
|
||
|
- Tier 2
|
$50,000.00 --- $99,999.99
|
.15%
|
.15%
|
||
|
|
|||||
|
Money Market**
|
$2,500
|
|
|
|
|
|
- Tier 1
|
$100,000.00 & OVER
|
.75%
|
.75%
|
||
|
- Tier 2
|
$10,000.00 -- $99,999.99
|
.45%
|
.45%
|
||
|
- Tier 3
|
$2,500.00 -- $9,999.99
|
.20%
|
.20%
|
||
|
- Tier 4
|
$0.00 -- $2,499.99
|
.05%
|
.05%
|
||
|
|
|||||
|
Advantage Money Market**
|
$10,000
|
|
|
|
|
|
- Tier 1
|
$250,000.00 & OVER
|
1.24%
|
1.25%
|
||
|
- Tier 2
|
$100,000.00 -- $249,999.99
|
1.00%
|
1.00%
|
||
|
- Tier 3
|
$50,000.00 -- $99,999.99
|
.55%
|
.55%
|
||
|
- Tier 4
|
$25,000.00 -- $49,999.99
|
.45%
|
.45%
|
||
|
- Tier 5
|
$10,000.00 -- $24,999.99
|
.35%
|
.35%
|
||
|
- Tier 6
|
$0.00 -- $9,999.99
|
.15%
|
.15%
|
||
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.
***** Minimum of 1 direct deposit required.
***** Minimum of 1 direct deposit required.