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|
Deposit Rates
Effective as of
10/14/2008 |
|
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
|
0.100%*
|
0.10%
|
|
2,500 or over
|
N/A
|
Monthly
|
0.150%*
|
0.15%
|
|
Money Market Account
|
|
|
|
|
|
1.00 - 2,499.99
|
N/A
|
Monthly
|
0.100%*
|
0.10%
|
|
2,500.00 - 9,999.99
|
N/A
|
Monthly
|
0.200%*
|
0.20%
|
|
10,000.00 - 49,999.99
|
N/A
|
Monthly
|
0.450%*
|
0.45%
|
|
50,000.00 or over
|
N/A
|
Monthly
|
0.450%*
|
0.45%
|
|
Savings Accounts
|
N/A
|
Quarterly
|
0.150%*
|
0.15%
|
|
30 Day CD
|
|
|
|
|
|
1,000.00 - 39,999.99
|
30 Days
|
Monthly
|
0.750%
|
0.75%
|
|
40,000.00 - 94,999.99
|
30 Days
|
Monthly
|
1.000%
|
1.00%
|
|
95,000.00 or over
|
30 Days
|
Monthly
|
1.150%
|
1.16%
|
|
90 Day CD
|
|
|
|
|
|
1,000.00 - 39,999.99
|
90 Days
|
Quarterly
|
1.050% |
1.05%
|
|
40,000.00 - 94,999.99
|
90 Days
|
Quarterly
|
1.400%
|
1.41%
|
|
95,000.00 or over
|
90 Days
|
Quarterly
|
1.50%
|
1.51%
|
|
180 Day CD
|
|
|
|
|
|
1,000.00 - 9,999.99
|
180 Days
|
Semi-Ann
|
1.400%
|
1.40%
|
|
10,000.00 - 39,999.99
|
180 Days
|
Semi-Ann
|
1.450%
|
1.46%
|
|
40,000.00 - 94,999.99
|
180 Days
|
Semi-Ann
|
1.600%
|
1.61%
|
|
95,000.00 or over
|
180 Days
|
Semi-Ann
|
1.900%
|
1.91%
|
|
1 Year CD/IRA Fixed Rate
|
|
|
|
|
|
1,000.00 - 9,999.99
|
12 months
|
Quarterly
|
1.800%
|
1.81%
|
|
10,000.00 - 39,999.99
|
12 months
|
Quarterly
|
1.900%
|
1.91%
|
|
40,000.00 - 94,999.99
|
12 months
|
Quarterly
|
1.95%
|
1.96%
|
|
95,000.00 or over
|
12 months
|
Quarterly
|
2.050%
|
2.07%
|
|
2 Year CD Fixed Rate
|
|
|
|
|
|
1,000.00 - 39,999.99
|
24 months
|
Quarterly
|
2.100%
|
2.12%
|
|
40,000.00 - 94,999.99
|
24 months
|
Quarterly
|
2.350%
|
2.37%
|
|
95,000.00 or over
|
24 months
|
Quarterly
|
2.500%
|
2.52%
|
|
1 Year CD Variable Rate
|
|
|
|
|
|
1,000.00 - 9,999.99
|
12 months
|
Quarterly
|
1.450%*
|
1.46%
|
|
10,000.00 - 39,999.99
|
12 months
|
Quarterly
|
1.550%*
|
1.56%
|
|
40,000.00 - 94,999.99
|
12 months
|
Quarterly
|
1.600%*
|
1.61%
|
|
95,000.00 or over
|
12 months
|
Quarterly
|
1.650%*
|
1.66%
|
|
2 Year IRA Variable Rate
|
|
|
|
|
|
1,000.00 - 9,999.99
|
24 months
|
Quarterly
|
1.750%*
|
1.76%
|
|
10,000.00 - 39,999.99
|
24 months
|
Quarterly
|
1.850%*
|
1.86%
|
|
40,000.00 - 94,999.99
|
24 months
|
Quarterly
|
1.950%*
|
1.96%
|
|
95,000.00 or over
|
24 months
|
Quarterly
|
2.100%*
|
2.12%
|
|
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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