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Personal Accounts
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Account
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Mininum Balance to Open Account
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Minimum Balance to Obtain APY*
|
Interest Rate
|
APY*
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|
N.O.W.
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$1,000.00
|
No interest paid under $1,000
|
0.00%
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0.00%
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|
|
|
$1,000.00
|
0.50%
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0.50%
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|
|
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$5,000.00
|
0.80%
|
0.80%
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|
Right N.O.W.
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$2,500.00
|
$2,500.00
|
1.24%
|
1.25%
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|
Gold'n Silver N.O.W.
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$5.00
|
$0.01
|
0.10%
|
0.10%
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|
|
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$1,000.00
|
0.50%
|
0.50%
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|
|
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$5,000.00
|
0.80%
|
0.80%
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Health Savings Account
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$100.00
|
$100.00
|
0.65%
|
0.65%
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Statement Savings
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$100.00
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$100.00
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0.50%
|
0.50%
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Spotlight Savings
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$1,000.00
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$1,000.00
|
0.50%
|
0.50%
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Kool Kid Savings
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$25.00
|
$25.00
|
0.50%
|
0.50%
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Christmas Club
|
$10.00
|
$10.00
|
1.49%
|
1.50%
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Premiere Money Market
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$10,000.00
|
$10,000.00
|
1.98%
|
2.00%
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$50,000.00
|
2.23%
|
2.25%
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|
|
|
$100,000.00
|
2.47%
|
2.50%
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|
|
|
$250,000.00
|
2.72%
|
2.75%
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|
EXTRA Money Market
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$1,000.00
|
$1,000.00
|
1.74%
|
1.75%
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|
|
|
$50,000.00
|
2.23%
|
2.25%
|
|
|
|
$100,000.00
|
2.47%
|
2.50%
|
- *APY=Annual Percentage Yield
- Rates are effective as of 07/03/08
- Rates are subject to change at any time without prior notice.
- Fees may reduce earnings
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Certificate of Deposit Rates
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Account
|
Mininum Balance to Open Account
|
Minimum Balance to Obtain APY*
|
Interest Rate
|
APY*
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|
90 Day
|
$5,000.00
|
$5,000.00
|
1.75%
|
1.76%
|
|
6 Month
|
$5,000.00
|
$5,000.00
|
1.85%
|
1.86%
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|
1 Year
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$1,000.00
|
$1,000.00
|
2.00%
|
2.02%
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18 Month
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$1,000.00
|
$1,000.00
|
2.15%
|
2.17%
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2 Year
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$1,000.00
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$1,000.00
|
2.25%
|
2.27%
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30 Month
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$1,000.00
|
$1,000.00
|
2.30%
|
2.32%
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3 Year
|
$1,000.00
|
$1,000.00
|
2.60%
|
2.63%
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|
4 Year
|
$1,000.00
|
$1,000.00
|
3.00%
|
3.03%
|
|
5 Year
|
$1,000.00
|
$1,000.00
|
3.30%
|
3.34%
|
- *APY=Annual Percentage Yield
- Rates are effective as of 07/03/2008.
- Rates are subject to change at any time without prior notice.
- Substantial penalty for early withdrawal from certificates of deposit.
- Annual percentage yield assumes rate remains the same for one year on maturities less than one year and that interest is added to the principal on all accounts.
- Fees may reduce earnings.
- Ask for more information about these accounts.
- Rates and terms for jumbo certificates of deposit available upon request.
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Business Accounts
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Account
|
Minimum Balance to Open Account
|
Minimum Balance to Obtain APY*
|
Interest Rate
|
APY*
|
|
Business N.O.W.
|
$1,000.00
|
$1,000.00
|
1.00%
|
1.00%
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|
|
|
$5,000.00
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1.25%
|
1.25%
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Business RIGHT N.O.W.
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$2,500.00
|
$2,500.00
|
1.25%
|
1.25%
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Business Savings
|
$500.00
|
$500.00
|
0.65%
|
0.65%
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EXTRA Business Money Market
|
$2,500.00
|
$2,500.00
|
1.49%
|
1.50%
|
|
|
|
$50,000.00
|
2.23%
|
2.25%
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|
|
|
$100,000.00
|
2.47%
|
2.50%
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|
|
|
$250,000.00
|
2.72%
|
2.75%
|
- *APY=Annual Percentage Yield
- Rates are effective as of 07/03/2008.
- Rates are subject to change at any time without prior notice.
- Substantial penalty for early withdrawal from certificates of deposit.
- Annual percentage yield assumes rate remains the same for one year on maturities less than one year and that interest is added to the principal on all accounts.
- Fees may reduce earnings.
- Ask for more information about these accounts.
- Rates and terms for jumbo certificates of deposit available upon request.
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Promotional Rates
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Account
|
Minimum Balance to Open
|
Minimum Balance to Obain APY*
|
Interest Rate
|
Annual Percentage Yield (APY*)
|
|
7 Month CD
|
$1,000.00
|
$1,000.00
|
2.72%
|
2.75%
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|
23 Month Choice CD
|
$1,000.00
|
$1,000.00
|
3.91%
|
3.97%
|
|
47 Month CD
|
$1,000.00
|
$1,000.00
|
3.70%
|
3.75%
|
- *APY=Annual Percentage Yield
- Rates are effective as of 07/03/2008.
- Rates are subject to change at any time without prior notice.
- Substantial penalty for early withdrawal from certificates of deposit.
- Annual percentage yield assumes rate remains the same for one year on maturities less than one year and that interest is added to the principal on all accounts.
- Fees may reduce earnings.
- Ask for more information about these accounts.
- Rates and terms for jumbo certificates of deposit available upon request.
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