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Deposit Rates
Effective as of
10/28/2009 |
|
Account Description
|
Term
|
Compound
|
Annual Interest Rate
|
Annual Percentage Yield**
|
|
NOW Accounts
|
N/A
|
Monthly
|
0.050%*
|
0.05%
|
|
Super NOW Accounts
|
|
|
|
|
|
1.00 - 2,499.99
|
N/A
|
Monthly
|
0.050%*
|
0.05%
|
|
2,500 or over
|
N/A
|
Monthly
|
0.100%*
|
0.10%
|
|
Money Market Account
|
|
|
|
|
|
1.00 - 2,499.99
|
N/A
|
Monthly
|
0.050%*
|
0.05%
|
|
2,500.00 - 9,999.99
|
N/A
|
Monthly
|
0.150%*
|
0.15%
|
|
10,000.00 - 49,999.99
|
N/A
|
Monthly
|
0.250%*
|
0.25%
|
|
50,000.00 or over
|
N/A
|
Monthly
|
0.350%*
|
0.35%
|
|
Savings Accounts
|
N/A
|
Quarterly
|
0.150%*
|
0.15%
|
|
30 Day CD
|
|
|
|
|
|
1,000.00 - 39,999.99
|
30 Days
|
Monthly
|
0.200%
|
0.20%
|
|
40,000.00 - 94,999.99
|
30 Days
|
Monthly
|
0.450%
|
0.45%
|
|
95,000.00 or over
|
30 Days
|
Monthly
|
0.600%
|
0.60%
|
|
90 Day CD
|
|
|
|
|
|
1,000.00 - 39,999.99
|
90 Days
|
Quarterly
|
0.500% |
0.50%
|
|
40,000.00 - 94,999.99
|
90 Days
|
Quarterly
|
0.850%
|
0.85%
|
|
95,000.00 or over
|
90 Days
|
Quarterly
|
0.950%
|
0.95% |
|
180 Day CD
|
|
|
|
|
|
1,000.00 - 9,999.99
|
180 Days
|
Semi-Ann
|
0.700%
|
0.70%
|
|
10,000.00 - 39,999.99
|
180 Days
|
Semi-Ann
|
0.750%
|
0.75%
|
|
40,000.00 - 94,999.99
|
180 Days
|
Semi-Ann
|
0.900%
|
0.90%
|
|
95,000.00 or over
|
180 Days
|
Semi-Ann
|
1.050%
|
1.05%
|
|
1 Year CD/IRA Fixed Rate
|
|
|
|
|
|
1,000.00 - 9,999.99
|
12 months
|
Quarterly
|
0.900%
|
0.90%
|
|
10,000.00 - 39,999.99
|
12 months
|
Quarterly
|
1.000%
|
1.00%
|
|
40,000.00 - 94,999.99
|
12 months
|
Quarterly
|
1.050%
|
1.05%
|
|
95,000.00 or over
|
12 months
|
Quarterly
|
1.350%
|
1.36%
|
|
2 Year CD Fixed Rate
|
|
|
|
|
|
1,000.00 - 39,999.99
|
24 months
|
Quarterly
|
1.200%
|
1.21%
|
|
40,000.00 - 94,999.99
|
24 months
|
Quarterly
|
1.450%
|
1.46%
|
|
95,000.00 or over
|
24 months
|
Quarterly
|
1.600%
|
1.61%
|
|
1 Year CD Variable Rate
|
|
|
|
|
|
1,000.00 - 9,999.99
|
12 months
|
Quarterly
|
0.750%*
|
0.75%
|
|
10,000.00 - 39,999.99
|
12 months
|
Quarterly
|
0.850%*
|
0.85%
|
|
40,000.00 - 94,999.99
|
12 months
|
Quarterly
|
0.900%*
|
0.90%
|
|
95,000.00 or over
|
12 months
|
Quarterly
|
0.950%*
|
0.95%
|
|
2 Year IRA Variable Rate
|
|
|
|
|
|
1,000.00 - 9,999.99
|
24 months
|
Quarterly
|
1.050%*
|
1.05%
|
|
10,000.00 - 39,999.99
|
24 months
|
Quarterly
|
1.150%*
|
1.15%
|
|
40,000.00 - 94,999.99
|
24 months
|
Quarterly
|
1.250%*
|
1.26%
|
|
95,000.00 or over
|
24 months
|
Quarterly
|
1.400%*
|
1.41%
|
|
Rates are subject to change by the bank without notice.
* The interest rate shown may change after the account is opened.
** The annual percentage yield (APY) assumes the principal and its interest will remain on deposit for a full year at the listed rate or until maturity. Withdrawals, fees and other conditions could reduce earnings.
The account shown may require a minimum daily balance and/or impose a penalty for early withdrawal. Please contact Customer Service at 512-756-2191 to answer any questions.
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