| Time
Certificates of Deposit (CD's)
Deposit
Range: |
Minimum
Deposit $500 |
$100,000 & Over |
| Term |
Min. Dep |
RATE* |
APY** |
RATE* |
APY** |
| 3 Months |
$500 |
.30% |
.30% |
NEGOTIABLE |
| 6 Months |
$500 |
.40% |
.40% |
NEGOTIABLE |
| 1 Year |
$500 |
.60% |
.60% |
NEGOTIABLE |
| 18 mo |
$500 |
.85% |
.85% |
NEGOTIABLE |
| 2 Year |
$500 |
1.05% |
1.05% |
NEGOTIABLE |
| 3 Year |
$500 |
1.40% |
1.41% |
NEGOTIABLE |
| 4 Year |
$500 |
1.70% |
1.71% |
NEGOTIABLE |
| 5 Year |
$500 |
1.90% |
1.91% |
NEGOTIABLE |
| IRA Accts |
|
1.05% |
1.05% |
|
|
|
|
Interest
Bearing Accounts |
| |
RATE*
|
APY** |
| NOW ($500 min. deposit) |
.10% |
.10% |
| Business Interest Ckg ($1000 min. deposit) |
.10% |
.10% |
| Gold Star Ckg |
.10% |
.10% |
| Money Market ($1000 min. deposit) |
.20% |
.20% |
| Passbook Savings ($200 min. deposit) |
.15% |
.15% |
| Christmas Club |
.15% |
.15% |
|
| |
Health Savings Account (HSA) |
| |
RATE* |
APY** |
| $50-$999.99 |
.15% |
.15% |
| $1,000.00 - $4,999.99 |
.50% |
.50% |
| $5,000.00 + |
.60% |
.60% |
|
| |
*
|
RATE
= Interest Rate (Interest rates on Now Accounts, Gold Star Checking, Money Market, Passbook Savings, Christmas Club Accounts and Health Savings Accounts may be subject to change after account opening.)
|
**
|
| APY=
Annual Percentage Yield Early
withdrawal can reduce earnings.
|
| Compounding
as follows: |
Monthly
- Money Market, Now, Gold Star
|
| |
Quarterly
- Time Certificates |
| |
Semi-Annual
- Passbook Savings |
|
| On Time Certificates
of Deposit, the APY assumes interest
remains on deposit until maturity.
Any withdrawal of interest reduces
the earnings and APY. Penalty may
be imposed for early withdrawal. |
|
***
|
DAILY BALANCE
= the amount of principal in the account
each day |
| |
This is not a complete
disclosure. Please request a 'Truth In
Savings Disclosure' for additional information.
Regular fees or other conditions may reduce
yield.
|
|
