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Rates
Effective 1/11/2012
Subject to change without notice
Certificates of Deposit
| $2,500 Minimum | $10,000 Minimum | $25,000 Minimum | ||||
| Term | Interest Rate | APY | Interest Rate | APY | Interest Rate | APY |
|---|---|---|---|---|---|---|
| 6 mo. | 0.15% | 0.15% | 0.25% | 0.25% | 0.25% | 0.25% |
| 1 year | 0.50% | 0.50% | 0.60% | 0.60% | 0.70% | 0.70% |
| 2 year | 0.80% | 0.80% | 1.00% | 1.00% | 1.10% | 1.10% |
| 3 year | 1.35% | 1.35% | 1.55% | 1.56% | 1.60% | 1.61% |
| 4 year | 1.35% | 1.35% | 1.60% | 1.61% | 1.75% | 1.76% |
| 5 year | 1.35% | 1.35% | 1.60% | 1.61% | 1.75% | 1.76% |
IRA Certificates of Deposit
| $2,500 Minimum | $10,000 Minimum | $25,000 Minimum | ||||
| Term | Interest Rate | APY | Interest Rate | APY | Interest Rate | APY |
|---|---|---|---|---|---|---|
| 1 year | 0.50% | 0.50% | 0.60% | 0.60% | 0.70% | 0.70% |
| 2 year | 0.80% | 0.80% | 1.00% | 1.00% | 1.10% | 1.10% |
| 3 year | 1.35% | 1.35% | 1.55% | 1.56% | 1.60% | 1.61% |
| 5 year | 1.35% | 1.35% | 1.60% | 1.61% | 1.75% | 1.76% |
| 5 year var. rate | 0.50% | 0.50% | ||||
Savings, Checking, Health Savings Accounts
| Account Type | Minimum Balance | Interest Rate | APY |
| Preferred Checking | $ 0 | 0.05% | 0.05% |
| Now Checking | $ 1,000 | 0.05% | 0.05% |
| Super Now Checking | $ 2,500 | 0.10% | 0.10% |
| Personal Savings | $ 250 | 0.10% | 0.10% |
| Personal Savings For Minors (under age 18) | $ 100 | 0.10% | 0.10% |
| Money Market | $0 | 0.05% | 0.05% |
| $ 2,500 | 0.10% | 0.10% | |
| $ 10,000 | 0.15% | 0.15% | |
| $ 25,000 | 0.20% | 0.20% | |
| $ 50,000 | 0.30% | 0.30% | |
| $100,000 | 0.40% | 0.40% | |
| Health Savings Accounts | $ 0 | 0.10% | 0.10% |
| $ 1,000 | 0.25% | 0.25% | |
| $ 5,000 | 0.50% | 0.50% |
- Annual Percentage Yields (APY) and rates may change after the account is opened
- Substantial penalty for early withdrawal of Certificates of Deposit
- Fees may reduce earnings on interest bearing accounts
- FDIC insurance to at least $250,000 per depositor
- All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, or money market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov .
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