| Certificates of Deposit(CD) Rates current as of 02/03/12 | |||
|
CD Term
|
Minimum Deposit
|
Rate
|
APY
|
|
90 Day
|
$5,000
|
0.30%
|
0.30%
|
|
180 Day
|
$1,000
|
0.50%
|
0.50%
|
|
12 Month
|
$1,000
|
0.60%
|
0.60%
|
|
24 Month
|
$1,000
|
1.05%
|
1.05%
|
|
36 Month
|
$1,000
|
1.25%
|
1.26%
|
|
48 Month
|
$1,000
|
1.50%
|
1.51%
|
|
Rates may Change at Bank's Discretion Penalty for Early Withdrawal: CD term 1 year or less - 3 months interest penalty, CD term more than 1 year - 6 months interest penalty. Early withdrawal penalty may change the effective annual percentage yield. Fees may change the effective annual percentage yield. APY - Annual Percentage Yield: Yield on Certificates of Deposit are based on quarterly compounding for 12 months. |
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| Money Market, Checking and IRA CD Accounts-Rates current as of 02/03/12 | |||||
|
Account
|
Minimum to Open
|
Minimum Balance
|
Rate
|
APY
|
Fees
|
|
Money Market
|
Dormant fees may apply
|
||||
|
$2,500-$9,999
|
$2,500
|
$2,500
|
.30%
|
.30%
|
$10 under $2,500 minimum balance
|
|
$10,000 and up
|
.30%
|
.30%
|
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|
Premier Money Market
|
|
|
Dormant fees may apply
|
||
|
$2,500 to $24,999
|
$2,500
|
$2,500
|
.30%
|
.30%
|
$10 under $2,500 minimum balance
|
|
$25,000 and UP
|
.40%
|
.40%
|
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|
Prime Money Market
|
Dormant fees may apply
|
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|
$2500 to $74,999
|
$2,500
|
$2,500
|
.30%
|
.30%
|
$10 under $2,500 minimum balance
|
|
$75,000 & UP
|
$75,000
|
$75,000
|
.50%
|
.50%
|
|
|
Checking Accounts
|
Dormant fees may apply
|
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|
Health Savings Account
|
No Minimum
|
No Minimum
|
.15%
|
.15%
|
$0.50 per check fee
|
|
Personal NOW
|
$500
|
$500
|
.15%
|
.15%
|
$500 minimum balance to avoid $7.50 fee
|
|
Plus Checking (55+)
|
No Minimum
|
No Minimum
|
Non-Interest
|
Dormant fees may apply
|
|
|
Regular Checking
|
No Minimum
|
Loan, Deposits, Direct Deposit
|
Non-Interest
|
Relationship needed to waive fee
|
|
|
Regular Checking
|
No Minimum
|
No Minimum
|
Non-Interest
|
$5 monthly fee
|
|
|
Savings Accounts
|
Dormant fees may aply
|
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|
Regular Savings
|
$100
|
$300
|
.25%
|
.25%
|
$5.00 fee if balance under $100
|
|
Minor Savings
|
$25
|
$5
|
.25%
|
.25%
|
Dormant fees may apply
|
|
Golden Passbook
|
$2,500
|
$2,500
|
.30%
|
.30%
|
$25.00 fee if balance under $2,500
|
|
IRA CD Account
|
|||||
|
2 Year Variable Rate
|
$50
|
$25
|
1.35%
|
1.36%
|
Rate Adjusts Quarterly
|
|
1 Year Variable Rate
|
$50
|
$25
|
1.05%
|
1.05%
|
Rate Adjusts Quarterly
|
|
APY - Annual Percentage Yield IRA CD rate based on quarterly compounding, annual yield. All of the deposit products listed are FDIC insured. Money Market Account - interest will not be paid if funds are withdrawn before the last day of the month. Limited to 6 checks per month. Fees may change the effective annual percentage yield. |
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| Commercial Deposit Accounts-Rates current as of 02/03/12 | |||||
|
Account Type
|
Minimum to Open
|
Minimum Balance
|
Rate
|
APY
|
Fee
|
|
Business NOW
|
$1,000
|
.15%
|
0.15%
|
Limited Availability
|
|
|
Corporate/Business Checking
|
No Minimum
|
No Minimum
|
Non-Interest Bearing
|
Dormant Fees May Apply
|
$1 Monthly Fee/ $0.10 per check fee
|
|
Regular Business Savings
|
$100 to avoid fee/$300 to earn interest
|
.25%
|
.25%
|
$5 if under $100 average monthly balance
|
|
|
Business Money Market
|
$5,000
|
$5,000
|
|
$10 fee under $5,000 minimum balance
|
|
|
$5,000-$24,999
|
|
.30%
|
.30%
|
Dormant fees may apply
|
|
|
$25,000 and UP
|
.40%
|
.40%
|
|||
|
No fee Corporate
|
Checking with a
|
Business Money Market
|
with $5,000 minimum balance
|
Dormant fees may apply
|
|
|
Business Money Market Account - Interest will not be paid if funds are withdrawn before the last day of the month. Fees and penalty may change effective annual percentage yield. Limited to 6 checks per statement cycle. APY - Annual Percentage Yield - on above Commercial checking accounts, Money Market accounts and Golden Passbook savings accounts, yield is based on interest compounded monthly to account. Fees may change the effective annual percentage yield. Regular Business Savings is compounded quarterly. Deposits FDIC insured up to $250,000. Call (906) 265-5131 or (877) 906-5131 for more information. |
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 Member FDIC |
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