Deposit Rates
Effective Date 1-3-2012*
|
Account Type
|
Minimum Deposit to Open Account
|
Minimum Daily Balance to Earn APY
|
Interest Rate
|
Annual Percentage Yield (APY)
|
|
|
|
|||||
|
37 Month CD
|
$10,000.00
|
$10,000.00
|
1.15%
|
1.15%
|
|
|
37 Month CD****
|
$2,500.00
|
$2,500.00
|
1.25%
|
1.25%
|
|
|
|
|||||
|
|
|||||
|
3 Month CD
|
$500.00
|
$500.00
|
.15%
|
.15%
|
|
|
6 Month CD
|
$500.00
|
$500.00
|
.30%
|
.30%
|
|
|
12 Month CD
|
$500.00
|
$500.00
|
.55%
|
.55%
|
|
|
18 Month CD
|
$500.00
|
$500.00
|
.65%
|
.65%
|
|
|
24 Month CD
|
$500.00
|
$500.00
|
.80%
|
.80%
|
|
|
36 Month CD
|
$500.00
|
$500.00
|
1.15%
|
1.15%
|
|
|
48 Month CD
|
$500.00
|
$500.00
|
1.40%
|
1.40%
|
|
|
48 Month CD Bump Up******
|
$500.00
|
$500.00
|
1.40%
|
1.40%
|
|
|
60 Month CD
|
$500.00
|
$500.00
|
1.74%
|
1.75%
|
|
|
60 Month CD****
|
$500.00
|
$500.00
|
1.84%
|
1.85%
|
|
|
|
|||||
|
12 Month IRA ***
|
$500.00
|
.55%
|
.55%
|
||
|
24 Month IRA ***
|
$500.00
|
.80%
|
.80%
|
||
|
|
|||||
|
Savings**
|
$100.00
|
|
.05%
|
.05%
|
|
|
Student Savings**
|
$5.00
|
|
.15%
|
.15%
|
|
|
|
|||||
|
Christmas Club Savings**
|
$25.00
|
|
.05
|
.05
|
|
|
|
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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
|
.15%
|
.15%
|
||
|
- Tier 2**
|
$0 -- $2499.99
|
.01%
|
.01%
|
||
|
|
|||||
|
Interest Checking
|
$1000.00
|
|
|
|
|
|
- Tier 1**
|
$100,000.00 & OVER
|
.05%
|
.05%
|
||
|
- Tier 2**
|
$1,000.00 -- $99,999.99
|
.01%
|
.01%
|
||
|
|
|||||
|
Platinum Checking**,*****
|
$5,000.00
|
$5,000.00 & OVER
|
.10%
|
.10%
|
|
|
|
|||||
|
Investment Checking**
|
$50,000
|
|
|
|
|
|
- Tier 1
|
$100,000.00 & OVER
|
.10%
|
.10%
|
||
|
- Tier 2
|
$50,000.00 --- $99,999.99
|
.01%
|
.01%
|
||
|
|
|||||
|
Money Market**
|
$2,500
|
|
|
|
|
|
- Tier 1
|
$100,000.00 & OVER
|
.25%
|
.25%
|
||
|
- Tier 2
|
$10,000.00 -- $99,999.99
|
.10%
|
.10%
|
||
|
- Tier 3
|
$2,500.00 -- $9,999.99
|
.05%
|
.05%
|
||
|
- Tier 4
|
$0.00 -- $2,499.99
|
.01%
|
.01%
|
||
|
|
|||||
|
Advantage Money Market**
|
$10,000
|
|
|
|
|
|
- Tier 1
|
$250,000.00 & OVER
|
.60%
|
.60%
|
||
|
- Tier 2
|
$100,000.00 -- $249,999.99
|
.40%
|
.40%
|
||
|
- Tier 3
|
$50,000.00 -- $99,999.99
|
.20%
|
.20%
|
||
|
- Tier 4
|
$25,000.00 -- $49,999.99
|
.10%
|
.10%
|
||
|
- Tier 5
|
$10,000.00 -- $24,999.99
|
.05%
|
.05%
|
||
|
- Tier 6
|
$0.00 -- $9,999.99
|
.01%
|
.01%
|
||
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.
* 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 after account is opened.
*** 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.
****** When exercising the one time bump up option, the term must be the same as the term of your original Bump Up CD.
***** Minimum of 1 direct deposit required.
****** When exercising the one time bump up option, the term must be the same as the term of your original Bump Up CD.