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Rates
Effective as of 01/19/2012
Deposit Rates
|
| Account Type |
Minimum Balance to Earn APY |
Interest Rate |
APY* |
Minimum Balance to Open Account |
| Passbook Savings |
$10.00 |
0.25% |
0.25% |
$10.00 |
| Statement Savings |
$10.00 |
0.25% |
0.25% |
$10.00 |
| *APY is Annual Percentage Yield |
| Interest Rates may change at any time after the account is opened. |
| Fees could reduce the earnings on the account. |
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Money Market Rates
|
| Account Type |
Minimum Balance to Earn APY |
Interest Rate |
APY* |
Minimum Balance to Open Account |
| INFINITY |
$0.00-$2,499.99 |
0.15% |
0.15% |
$100.00 |
|
$2,500.00-$9,999.99 |
0.20% |
0.20% |
$100.00 |
|
$10,000.00-$24,999.99 |
0.35% |
0.35% |
$100.00 |
|
$25,000.00-$49,999.99 |
0.40% |
0.40% |
$100.00 |
|
$50,000.00-$74,999.99 |
0.45% |
0.45% |
$100.00 |
|
$75,000.00-$99,999.99 |
0.50% |
0.50% |
$100.00 |
|
$100,000.00 and over |
0.55% |
0.55% |
$100.00 |
| *APY is Annual Percentage Yield |
| Interest Rates may change at any time after the account is opened. |
| Fees could reduce the earnings on the account. |
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Certificates of Deposit
|
| Account Type |
Minimum Balance to Earn APY |
Interest Rate |
APY* |
Minimum Balance to Open Account |
| 3 Month CD |
$1,000.00 |
0.35% |
0.35% |
$1,000.00 |
| 6 Month CD |
$1,000.00 |
0.50% |
0.50% |
$1,000.00 |
| 9 Month CD |
$1,000.00 |
0.65% |
0.65% |
$1,000.00 |
| 12 Month CD |
$1,000.00 |
0.70% |
0.70% |
$1,000.00 |
| 18 Month CD |
$1,000.00 |
0.80% |
0.80% |
$1,000.00 |
| 24 Month CD |
$1,000.00 |
1.19% |
1.20% |
$1,000.00 |
| 30 Month CD |
$1,000.00 |
1.24% |
1.25% |
$1,000.00 |
| 36 Month CD |
$1,000.00 |
1.49% |
1.50% |
$1,000.00 |
| *APY is Annual Percentage Yield |
| These Rates are subject to change without prior notice. |
| Fees could reduce the earnings on the account. |
| A penalty will or may be imposed for early withdrawal. |
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Individual Retirement Accounts
|
| Account Type |
Minimum Balance to Earn APY |
Interest Rate |
APY* |
Minimum Balance to Open Account |
| 6 Month IRA |
$1,000.00 |
0.50% |
0.50% |
$1,000.00 |
| 12 Month IRA |
$1,000.00 |
0.70% |
0.70% |
$1,000.00 |
| 18 Month IRA |
$1,000.00 |
0.80% |
0.80% |
$1,000.00 |
| 24 Month IRA |
$1,000.00 |
1.19% |
1.20% |
$1,000.00 |
| 36 Month IRA |
$1,000.00 |
1.49% |
1.50% |
$1,000.00 |
| *APY is Annual Percentage Yield |
| These Rates are subject to change without prior notice. |
| Fees could reduce the earnings on the account. |
| A penalty will or may be imposed for early withdrawal. |
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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE
COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a "noninterest-bearing transaction account" are insured in full by
the Federal Deposit Insurance Corporation from December 31, 2010, through
December 31, 2012. This temporary unlimited coverage is in addition to, and
separate from, the coverage of at least $250,000 available to depositors under
the FDIC's general deposit insurance rules.
The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction
accounts, visit www.fdic.gov.
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All Deposits Insured in Full
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