 
| Consumer Rates Savings, Checking, CDs, Money Market & IRAs RI Rates effective
November 12, 2008
| Savings Accounts | | Type | Minimum
for APY | Minimum to Open | Interest Rate | APY*
| Regular
Savings | $10 | $10 | 2.96% | 3.00% |
| Regular Savings
(passbook accounts opened after 09/18/08) | $10 | $10 |
0.50% | 0.50% |
| Holiday Club | $10 | $10 | 0.25% | 0.25% |
Checking Accounts
| | Type | Minimum
for APY | Minimum to Open | Interest Rate | APY*
Interest Checking
|
$10. |
$100. |
.10% |
.10% |
|
| |
| | | High Interest Checking
|
$10-$2,499
$2,500+
|
$10
$2,500 |
0.10%
2.96%
|
0.10%
3.00%
|
Money Market Accounts
| | Type | Minimum
for APY | Minimum to Open | Interest Rate | APY*
| Money Market |
$2,500+
$10-$2,499
|
$2,500. |
1.00%
0.15%
|
1.00%
0.15%
| | Preferred Money Market | $0 - $24,999
$25,000 - $49,999
$50,000 - $99,999
$100,000 +
| $25,000.00
$25,000.00
$25,000.00
|
1.00%1.98%
2.23%
2.47%
| 1.00%
2.00%
2.25%
2.50%
| | Certificates of Deposit | | Type | Minimum
for APY | Minimum
to Open | Interest Rate | APY*|
91 Day Certificate |
$2,500 | $2,500 |
2.23% | 2.25% | | 6 Mo Certificate | $2,500 | $2,500 |
2.47% |
2.50% | | 1 Year Certificate | $1,000 | $1,000 |
2.96% | 3.00% | | 18 Mo Certificate | $1,000 | $1,000 | 2.96% | 3.00% | | 2 Year Certificate | $1,000 | $1,000 |
3.20% |
3.25% | | 3 Year Certificate | $1,000 | $1,000 |
3.45% | 3.51% | | 4 Year Certificate | $1,000 | $1,000 |
3.45% |
3.51% | | 5 Year Certificate | $1,000 | $1,000 |
4.41% |
4.50% |
|
13 MONTH CD SPECIAL |
$1,000 |
$1,000 |
3.45% |
3.51% |
| IRA - Individual Retirement Accounts | | Type | Minimum
for APY | Minimum
to Open | Interest Rate | APY*| 6 Month Fixed Certificate | $500 | $500 |
2.47% |
2.50% | | 12 Month Fixed Certificate | $500 | $500 |
2.96% |
3.00% | 18 Month Variable
Certificate
(Additional Deposits Allowed) | $500 | $500 | 2.00% | 2.02% | | 18 Month Fixed Certificate | $500 | $500 | 2.96% |
3.00% | | 24 Month Fixed Certificate | $500 | $500 | 3.20% |
3.25% | | 36 Month Fixed Certificate | $500 | $500 |
3.45% |
3.51% | |
60 Month Fixed Certificate |
$500 |
$500 | 4.41% | 4.50% | | IRA Money Market Variable | $250 | $250 |
0.75% |
0.75% |
|
13 MONTH CD SPECIAL |
$500 |
$500 |
3.45% |
3.51% |
Rates are subject to change without notice. | | Customers who do not live within out Market Area must visit our banking office to qualify. | | *APY=Annual Percentage Yield | **Highest Tier (10,000+) Rate is 50% Prime Rate as of the first business day of the month. Restrictions Apply. See a Customer Service Representative for Details.
Maintenance/activity fees may reduce earnings. Rates may change on Savings, Money Market and 18 Month Variable Retirement account; other investment CD and IRA rates are guaranteed for the length of the specified term. Substantial penalties may be imposed on early withdrawals. Certain other restrictions may apply. |
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