Checking & Deposit Rates
Effective as of 02/21/2012
| Account Balance | Minimum Balance Required to Obtain Annual Percentage Yield | Interest | APY1 | Compounding |
|---|---|---|---|---|
| ($2,500 - 4,999.99) | $2,500 | 0.10% | 0.10% | Monthly |
| ($5,000 - 9,999.99) | $5,000 | 0.10% | 0.10% | Monthly |
| ($10,000 - 24,999.99) | $10,000 | 0.10% | 0.10% | Monthly |
| ($25,000 - 49,999.99) | $25,000 | 0.10% | 0.10% | Monthly |
| ($50,000 - 74,999.99) | $50,000 | 0.15% | 0.15% | Monthly |
| ($75,000 - 99,999.99) | $75,000 | 0.15% | 0.15% | Monthly |
| ($100,000 and up) | $100,000 | 0.15% | 0.15% | Monthly |
| Account Balance | Minimum Balance Required to Obtain Annual Percentage Yield | Interest | APY1 | Compounding |
|---|---|---|---|---|
| ($2,500 - 9,999.99) | $2,500 | 0.10% | 0.10% | Monthly |
| ($10,000 - 24,999.99) | $10,000 | 0.20% | 0.20% | Monthly |
| ($25,000 - 49,999.99) | $25,000 | 0.20% | 0.20% | Monthly |
| ($50,000 - 99,999.99) | $50,000 | 0.20% | 0.20% | Monthly |
| ($100,000 - 249,999.99) | $100,000 | 0.25% | 0.25% | Monthly |
| ($250,000 and up) | $250,000 | 0.25% | 0.25% | Monthly |
| Account Balance | Minimum Balance Required to Obtain Annual Percentage Yield | Interest | APY1 | Compounding |
|---|---|---|---|---|
| ($10,000 - 49,999.99) | $10,000 | 0.10% | 0.10% | Monthly |
| ($50,000 - 249,999.99) | $50,000 | 0.25% | 0.25% | Monthly |
| ($250,000 - 499,999.99) | $250,000 | 0.25% | 0.25% | Monthly |
| ($500,000 - 999,999.99) | $500,000 | 0.30% | 0.30% | Monthly |
| ($1,000,000 and up) | $1,000,000 | 0.10% | 0.10% | Monthly |
| Account | Minimum Balance Required to Obtain Annual Percentage Yield | Interest | APY1 | Compounding |
|---|---|---|---|---|
| Regular Savings | $100 | 0.15% | 0.15% | Quarterly |
| Account | Minimum Balance Required to Obtain Annual Percentage Yield | Interest | APY1 | Compounding |
|---|---|---|---|---|
| IRA Savings | $1 | 0.25% | 0.25% | Quarterly |
1Annual Percentage Yield. Rates and terms are subject to change without notice.
- Variable Interest Rate accounts. Rates subject to change after account opening without notice.
- Fees and other conditions could reduce the earnings on your account.
2Federally Regulated, Limited Transaction Accounts: transfers and withdrawals by preauthorized, automatic telephone, wire, check, draft, debit card or computer transfer are limited to six per statement cycle. A REG D Excess Transaction Fee of $32.00 will be charged for each pre-authorized withdrawal, check, draft or debit card withdrawal in excess of six per statement cycle. In addition, a $6.00 fee applies after six withdrawals per statement cycle. Customers will be allowed three months of REG D Excess Transactions within a twelve month period. Further violation will result in the closing of the account.
Certificate of Deposit Rates
| Term | Minimum Balance Required to Obtain Annual Percentage Yield | Interest | APY3 | Compounding |
|---|---|---|---|---|
| 3 Month | $1,000 | 0.10% | 0.10% | Term |
| 6 Month | $1,000 | 0.20% | 0.20% | Quarterly |
| 9 Month | $1,000 | 0.40% | 0.40% | Quarterly |
| 12 Month | $1,000 | 0.55% | 0.55% | Quarterly |
| 18 Month | $1,000 | 0.85% | 0.85% | Quarterly |
| 24 Month | $1,000 | 1.00% | 1.00% | Quarterly |
| 30 Month | $1,000 | 1.05% | 1.05% | Quarterly |
| 36 Month | $1,000 | 1.10% | 1.10% | Quarterly |
| 48 Month | $1,000 | 1.24% | 1.25% | Quarterly |
| 60 Month | $1,000 | 1.59% | 1.60% | Quarterly |
|
Term | Minimum Balance Required to Obtain Annual Percentage Yield | Interest | APY3 | Compounding |
|---|---|---|---|---|
| 8 Month Encore!CD | $5,000 | 0.30% | 0.30% | Quarterly |
| 12 Month Encore!CD | $5,000 | 0.50% | 0.50% | Quarterly |
| 14 Month Encore!CD | $5,000 | 1.00% | 1.00% | Quarterly |
| 18 Month Encore!CD | $5,000 | 0.75% | 0.75% | Quarterly |
|
Term | Minimum Balance Required to Obtain Annual Percentage Yield | Interest | APY3 | Compounding |
|---|---|---|---|---|
| 6 Mo. Mini Jumbo | $50,000 | 0.25% | 0.25% | Monthly |
| 12 Mo. Mini Jumbo | $50,000 | 0.65% | 0.65% | Monthly |
| 6 Mo. Jumbo | $95,000 | 0.30% | 0.30% | Monthly |
| 12 Mo. Jumbo | $95,000 | 0.75% | 0.75% | Monthly |
|
Term | Minimum Balance Required to Obtain Annual Percentage Yield | Interest | APY3 | Compounding |
|---|---|---|---|---|
| 9 Mo. | $1,000 | 0.40% | 0.40% | Quarterly |
| 12 Mo. | $1,000 | 0.55% | 0.55% | Quarterly |
| 18 Mo. Encore! | $5,000 | 0.75% | 0.75% | Quarterly |
| 30 Mo. | $1,000 | 1.05% | 1.05% | Quarterly |
| 48 Mo. | $1,000 | 1.24% | 1.25% | Quarterly |
| 60 Mo. | $1,000 | 1.59% | 1.60% | Quarterly |
|
Term | Minimum Balance Required to Obtain Annual Percentage Yield | Interest | APY3 | Compounding |
|---|---|---|---|---|
| 6 Mo. Mini | $50,000 | 0.25% | 0.25% | Monthly |
| 12 Mo. Mini | $50,000 | 0.65% | 0.65% | Monthly |
| 6 Mo. Jumbo | $95,000 | 0.30% | 0.30% | Monthly |
| 12 Mo. Jumbo | $95,000 | 0.75% | 0.75% | Monthly |
3Annual Percentage Yield.
- Fees and other conditions could reduce the earnings on your account.
- Early withdrawal fee will be assessed.
- Additional rate bonuses may be avaliable on some CD's that will provide a higher rate/yield. Visit the bank for more information.
4Encore!CD - has terms of 8, 12, 14, and 18 months, with the option to bump-up the rate one time during the term. Minimum opening deposit required $5,000.
