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“We reserve the right to limit deposits to our banking area.”
“Rates listed on this page are not available to brokers, other financial institutions, or public entities”.
Rates Accurate as of 03/24/08
Prime Rate 5.25%
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Account
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Minimum Opening Deposit+
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Minimum Balance to Obtain APY*
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Interest Rate**
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APY***
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Personal Interest Checking
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$100.00
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$.01
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1.01%
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1.01%
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Community Checking
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$ 0 - $ 9,999.99
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$100.00
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$.01
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1.01%
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1.01%
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$ 10,000+
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$100.00
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$10,000
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2.00%
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2.02%
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Hi-Rate Checking
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$ 0 - $ 9,999.99
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$100.00
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$.01
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1.01%
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1.01%
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$ 10,000+
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$100.00
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$10,000
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2.04%
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2.06%
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Money Market-Premium Personal
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$ 0 - $ 1,500
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$100.00
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$.01
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0.89%
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0.89%
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$ 1,500 - $ 24,999.99
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$100.00
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$1,500
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1.28%
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1.29%
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$ 25,000 - $ 49,999.99
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$100.00
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$25,000
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1.68%
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1.69%
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$ 50,000 - $ 99,999.99
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$100.00
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$50,000
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2.00%
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2.02%
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$ 100, 000+
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$100.00
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$100,000
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2.20%
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2.22%
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Money Market-Business
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$ 0 - $ 9,999.99
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$500.00
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$.01
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1.28%
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1.29%
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$ 10,000+
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$500.00
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$10,000
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2.00%
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2.02%
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Personal Savings
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$100.00
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$.01
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1.27%
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1.28%
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CDs/IRAs
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7-31 Days
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$1,000.00
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2.23%
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2.25%
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3 Month
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$1,000.00
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3.05%
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3.09%
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6 Month
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$1,000.00
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3.17%
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3.19%
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9 Month
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$1,000.00
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3.18%
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3.19%
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1 Year
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$1,000.00
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3.25%
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3.29%
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18 Month
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$1,000.00
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3.30%
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3.34%
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2 Year
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$1,000.00
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3.35%
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3.39%
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30 Month
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$1,000.00
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3.39%
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3.43%
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3 Year
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$1,000.00
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3.39%
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3.43%
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4 Year
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$1,000.00
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3.45%
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3.49%
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5 Year
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$1,000.00
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3.54%
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3.59%
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Important Note: This document is to be used in conjunction with other disclosure information about your accounts. Annual Percentage Yield (APY) is a percentage rate reflecting the total amount of interest paid on an account, based on the Interest rate and the frequency of compounding for a 365 day period. Additional Certificate of Deposit terms, corresponding APY's and interest rates are available upon request.
+The stated "Minimum to Open" an account may not meet the minimum balance to waive monthly service charges.
*The minimum balance to obtain the APY is determined using the daily balance method. That is, in order to earn the stated rate, the balance amount indicated must be maintained each day during the Interest payment period.
**All accounts listed except Certificates are variable rate accounts. As such, the Interest rate may change at any time. Fees could reduce the earnings on these accounts.
***The APY assumes that interest will remain on deposit until maturity. If interest is withdrawn prior to maturity, earnings will be reduced.
For regular Certificates with maturities of less than 1 year, interest is compounded at maturity and paid at maturity.
For regular Certificates with maturities of 1 year or longer, interest is compounded quarterly and paid quarterly and at maturity.
For all Certificates, a substantial penalty will be applied if funds are withdrawn prior to maturity.
For additional information, contact Customer Service at (770)945-8300 or (800)533-6922.
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Member FDIC