|
 |
|
Deposit Accounts
Effective as of: January 6,2009
|
|
Account or Tier
|
Min. Opening
Deposit
|
Min. Balance
to obtain APY*
|
Interest
Rate
|
APY*
|
|
Savings
|
$200.00
|
$200.00
|
1.00%
|
1.00%
|
|
NOW Accounts
over 750.00
|
$500.00
|
$750.00
|
1.00%
|
1.00%
|
|
Money Markets
|
|
|
|
|
|
1,500.00-9,999.99
|
$500.00
|
$1,500.00
|
1.00%
|
1.00%
|
|
10,000.00-24,999.99
|
$500.00
|
$1500.00
|
1.25%
|
1.26%
|
|
25,000.00-49,999.99
|
$500.00
|
$1,500.00
|
1.25%
|
1.26%
|
|
50,000.00-99,999.99
|
$500.00
|
$1,500.00
|
1.50%
|
1.51%
|
|
100000.00 +
|
$500.00
|
$1,500.00
|
2.00%
|
2.02%
|
|
High Yield Money Market
|
|
|
|
|
|
25,000.00-99,999.99
|
$25,000.00
|
$25,000.00
|
1.98%
|
2.00%
|
|
100,000.00-249,999.99
|
$25,000.00
|
$25,000.00
|
2.40%
|
2.43%
|
|
250,000.00-499,999.99
|
$25,000.00
|
$25,000.00
|
2.45%
|
2.48%
|
|
500,000.00-999,999.99
|
$25,000.00
|
$25,000.00
|
2.50%
|
2.53%
|
|
1,000,000.00+
|
$25,000.00
|
$25,000.00
|
2.70%
|
2.74%
|
|
* APY = Annual Percentage Yield
** Minimum opening deposit for Personal Money Market accounts is $500.00. Minimum opening deposit for Business Money Market accounts is $1,500.00. Minimum balance to obtain APY* is $1,500.00 for both types of Money Markets.
(1) No more than 3 checks and 3 pre authorized transfers each statement cycle for Money Market & Savings accounts.
(2) For Savings, Now Accounts, Money Market accounts interest rate may change after account is opened.
(3) Fees could reduce earnings on business analysis accounts/div>
(4) High Yield Money Market Min.opening deposit *$25000.00.Min. balance to obtain *APY $25,000.00.
Member FDIC
|
Certificates of Deposit
Effective as of:January 6,2009
|
|
Account or Term
|
Min. Opening
Deposit
|
Min. Balance
to obtain APY*
|
Interest
Rate
|
APY*
|
|
TCD’s less than $100,000.00
|
|
|
|
|
|
|
|
|
|
|
|
30 Days
|
$2,500.00
|
$2,500.00
|
1.25%
|
1.26%
|
|
90 Days
|
$2,500.00
|
$2,500.00
|
1.50%
|
1.51%
|
|
180 Days
|
$2,500.00
|
$2,500.00
|
2.20%
|
2.22%
|
|
270 Days
|
$2,500.00
|
$2,500.00
|
2.10%
|
2.12%
|
|
12 Months
|
$2,500.00
|
$2,500.00
|
2.45%
|
2.48%
|
|
18 Months
|
$2,500.00
|
$2,500.00
|
2.40%
|
2.43%
|
|
24 Months
|
$2,500.00
|
$2,500.00
|
2.60%
|
2.63%
|
|
36 Months
|
$2,500.00
|
$2,500.00
|
2.60%
|
2.63%
|
|
TCD’s $100,000.00 & over
|
|
|
|
|
|
30 Days
|
$100,000.00
|
$100,000.00
|
1.45%
|
1.46%
|
|
90 Days
|
$100,000.00
|
$100,000.00
|
1.70%
|
1.71%
|
|
180 Days
|
$100,000.00
|
$100,000.00
|
2.30%
|
2.33%
|
|
270 Days
|
$100,000.00
|
$100,000.00
|
2.20%
|
2.22%
|
|
365 Months
|
$100,000.00
|
$100,000.00
|
2.50%
|
2.53%
|
|
18 Months
|
$100,000.00
|
$100,000.00
|
2.50%
|
2.53%
|
|
24 Months
|
$100,000.00
|
$100,000.00
|
2.70%
|
2.74%
|
|
36 Months
|
$100,000.00
|
$100,000.00
|
2.70%
|
2.74%
|
|
|
|
|
|
|
|
* APY = Annual Percentage Yield
(1) Early withdrawal penalties may apply to Certificate of Deposit Accounts.
Member FDIC
|
Individual Retirement Accounts
Effective as of:January 6,2009
|
|
Account or Term
|
Min. Opening
Deposit
|
Min. Balance
to obtain APY*
|
Interest
Rate
|
APY*
|
|
IRA's less than $100,000.00
|
|
|
|
|
|
12 Months
|
$1,000.00
|
$1,000.00
|
2.45%
|
2.48%
|
|
18 Months
|
$1,000.00
|
$1,000.00
|
2.45%
|
2.48%
|
|
24 Months
|
$1,000.00
|
$1,000.00
|
2.30%
|
2.33%
|
|
IRA’s over $100,000.00
|
|
|
|
|
|
12 Months
|
$100,000.00
|
$100,000.00
|
2.55%
|
2.58%
|
|
18 Months
|
$100,000.00
|
$100,000.00
|
2.55%
|
2.58%
|
|
24 Months
|
$100,000.00
|
$100,000.00
|
2.80%
|
2.84%
|
|
* APY = Annual Percentage Yield
(1) Early withdrawal penalties may apply to Certificate of Deposit Accounts.
Member FDIC
|
|
|
|
