|
|
Rates effective 12/29/11
| CDs AND IRAs |
|
INTEREST RATE |
ANNUAL PERCENTAGE YIELD (APY) |
| ADVANTAGE Certificate of Deposit (CD) / Individual Retirement Account (IRA) |
| 3 Month ADVANTAGE CD/IRA |
0.40% |
0.40% |
| 6 Month ADVANTAGE CD/IRA |
0.55% |
0.55% |
| 12 Month ADVANTAGE CD/IRA |
0.90% |
0.90% |
| 18 Month ADVANTAGE CD/IRA |
0.95% |
0.95% |
| 24 Month ADVANTAGE CD/IRA |
1.05% |
1.05% |
| 30 Month ADVANTAGE CD/IRA |
1.10% |
1.10% |
| 36 Month ADVANTAGE CD/IRA |
1.29% |
1.30% |
| 48 Month ADVANTAGE CD/IRA |
1.64% |
1.65% |
| 60 Month ADVANTAGE CD/IRA |
1.84% |
1.85% |
| Minimum balance to open CD/IRA is $500. To obtain advertised APY, customer must open and maintain an ADVANTAGE Checking Account with a minimum opening deposit of $2,500. A penalty may be imposed for early withdrawal. |
| |
| Certificate of Deposit (CD) / Individual Retirement Account (IRA) |
| 3 Month CD/IRA |
0.15% |
0.15% |
| 6 Month CD/IRA |
0.30% |
0.30% |
| 12 Month CD/IRA |
0.65% |
0.65% |
| 18 Month CD/IRA |
0.70% |
0.70% |
| 24 Month CD/IRA |
0.80% |
0.80% |
| 30 Month CD/IRA |
0.85% |
0.85% |
| 36 Month CD/IRA |
1.04% |
1.04% |
| 48 Month CD/IRA |
1.39% |
1.40% |
| 60 Month CD/IRA |
1.59% |
1.60% |
| $500 opening balance required to obtain each APY. APY is fixed for the term of CD/IRA. A penalty may be imposed for early withdrawal. |
| SAVINGS ACCOUNTS |
|
INTEREST RATE |
ANNUAL PERCENTAGE YIELD (APY) |
| ADVANTAGE Savings |
| $1,000 - $9,999.99 |
0.20% |
0.20% |
| $10,000 - $24,999.99 |
0.20% |
0.20% |
| $25,000 - $49,999.99 |
0.20% |
0.20% |
| $50,000 - $99,999.99 |
0.20% |
0.20% |
| $100,000 - $249,999.99 |
0.25% |
0.25% |
| $250,000 - up |
0.25% |
0.25% |
| $1,000 opening balance required. To obtain the advertised APYs on this account, you must open and maintain an ADVANTAGE Checking Account with a minimum opening balance of $2,500. You must maintain a daily collected balance within each range to obtain the APY for each interest rate tier. APY may change without notice at any time after the account is opened. Fees may reduce earnings. |
| |
| Regular Savings |
| $.01 - up |
0.20% |
0.20% |
| $100 opening balance required. APY may change without notice at any time after the account is opened. Fees may reduce earnings. |
| |
| Piggy Bank Savings |
| $.01 - up |
0.20% |
0.20% |
| $10 opening balance required. APY may change without notice at any time after the account is opened. Fees may reduce earnings. |
| CHECKING ACCOUNTS |
|
INTEREST RATE |
ANNUAL PERCENTAGE YIELD (APY) |
| ADVANTAGE Checking |
| $2,500 - up |
0.10% |
0.10% |
| $2,500 opening balance required. APY may change without notice at any time after the account is opened. $2,500 minimum daily ledger balance required to avoid $25.00 service charge. Fees may reduce earnings. |
| Senior Advantage Checking |
| $.01 - up |
0.10% |
0.10% |
| $100 opening balance required. APY may change without notice at any time after the account is opened. A monthly, recurring direct deposit must be initiated or account will revert to a non-interest bearing account. Primary account holder must be age 50 or older. Fees may reduce earnings. |
| MONEY MARKET ACCOUNTS |
|
INTEREST RATE |
ANNUAL PERCENTAGE YIELD (APY) |
| ADVANTAGE Money Market |
| $1,000 - $9,999.99 |
0.25% |
0.25% |
| $10,000 - $24,999.99 |
0.25% |
0.25% |
| $25,000 - $49,999.99 |
0.35% |
0.35% |
| $50,000 - $99,999.99 |
0.45% |
0.45% |
| $100,000 - $249,999.99 |
0.55% |
0.55% |
| $250,000 - up |
0.65% |
0.65% |
| $1,000 opening balance required. To obtain the advertised APYs on this account, you must open and maintain an ADVANTAGE Checking Account with a minimum opening balance of $2,500. You must maintain a daily collected balance within each range to obtain the APY for each interest rate tier. APY may change without notice at any time after the account is opened. Fees may reduce earnings. |
| |
| Personal Money Market |
| $1,000 - $24,999.99 |
0.20% |
0.20% |
| $25,000 - $49,999.99 |
0.30% |
0.30% |
| $50,000 - $99,999.99 |
0.40% |
0.40% |
| $100,000 - $249,999.99 |
0.50% |
0.50% |
| $250,000 - up |
0.60% |
0.60% |
| $1,000 opening balance required. You must maintain a daily collected balance within each range to obtain the APY for each interest rate tier. APY may change without notice at any time after the account is opened. Fees may reduce earnings. |
| |
| ADVANTAGE Business Money Market |
| $1,000 - $9,999.99 |
0.15% |
0.15% |
| $10,000 - $24,999.99 |
0.15% |
0.15% |
| $25,000 - $49,999.99 |
0.20% |
0.20% |
| $50,000 - $99,999.99 |
0.25% |
0.25% |
| $100,000 - $249,999.99 |
0.30% |
0.30% |
| $250,000 - up |
0.35% |
0.35% |
| $1,000 opening balance required. To obtain the advertised APYs on this account, you must open and maintain an ADVANTAGE Business Checking Account. You must maintain a daily collected balance within each range to obtain the APY for each interest rate tier. APY may change without notice at any time after the account is opened. Fees may reduce earnings. |
| |
| Business Money Market |
| $1,000 - $24,999.99 |
0.15% |
0.15% |
| $25,000 - $49,999.99 |
0.20% |
0.20% |
| $50,000 - $99,999.99 |
0.25% |
0.25% |
| $100,000 - $249,999.99 |
0.30% |
0.30% |
| $250,000 - up |
0.35% |
0.35%
|
| $1,000 opening balance required. You must maintain a daily collected balance within each range to obtain the APY for each interest rate tier. APY may change without notice at any time after the account is opened. Fees may reduce earnings. |
|
|
