Rates
Interest Rates Effective September 07, 2011
Certificate of Deposit
| Product | Minimum Balance to Open | Minimum Balance to Earn APY | Interest Rate | Annual Percentage Yield (APY) |
| 91 Day Certificate | $1000.00 | $1,000.00 | .75% | .75% |
| 6 Month Certificate | $1000.00 | $1,000.00 | .75% | .75% |
| 8 Month Certificate | $1000.00 | $1,000.00-$9,999.99
$10,000.00-$49,999.99 $50,000 & Over |
.80% .90% 1.00% |
.80% .90% 1.00% |
| 1 Year Certificate | $1000.00 | $1,000.00 | 1.00% | 1.01% |
| 30 Month Certificate | $1000.00 | $1,000.00 | 1.25% | 1.26% |
| 4 Year Certificate | $1000.00 | $1,000.00 | 1.75% | 1.77% |
| 5 Year Certificate | $1000.00 | $1,000.00 | 1.75% | 1.77% |
- A penalty will be imposed for early withdrawal.
- After your CD is opened, the interest rate is fixed for the term unless otherwise indicated.
Second Chance Certificate of Deposit
| Product | Minimum Balance to Open | Minimum Balance to Earn APY | Interest Rate | Annual Percentage Yield (APY) |
| 18 Month Certificate | $1,000.00 | $1,000.00 | 1.10% | 1.11% |
| 36 Month Certificate | $1,000.00 | $1,000.00 | 1.20% | 1.21% |
- A penalty will be imposed for early withdrawal.
- After your CD is opened, the interest rate is fixed for the term unless otherwise indicated.
Jumbo Certificate of Deposit
| Product | Minimum Balance to Open | Minimum Balance to Earn APY | Interest Rate | Annual Percentage Yield (APY) |
| 6 Month Certificate | $100,000.00 | $100,000.00 | .75% | .75% |
| 1 Year Certificate | $100,000.00 | $100,000.00 | 1.00% | 1.01% |
| 30 Month Certificate | $100,000.00 | $100,000.00 | 1.25% | 1.26% |
- A penalty will be imposed for early withdrawal.
- After your CD is opened, the rate is fixed for the term unless otherwise indicated.
Interest Bearing Checking Accounts
| Product | Minimum Balance to Open | Minimum Balance to Earn APY | Interest Rate | Annual Percentage Yield (APY) |
| Money Market | $2,500.00 | $2,500.00 | .30% | .30% |
| Now Account | $100.00 | $500.00 | .25% | .25% |
| Classic Checking | $100.00 | $250.00 | .25% | .25% |
- Fees may reduce earnings on the account.
- Interest Rate may change after account opens without notice.
Savings Accounts
| Product | Minimum Balance to Open | Minimum Balance to Earn APY | Interest Rate | Annual Percentage Yield (APY) |
| Traditional Savings Accounts | $50.00 | $50.00 | .50% | .50% |
| Gold Savings | $10,000.00 | $10,000.00 | .75% | .76% |
- Fees may reduce earnings on the account.
- Interest Rate may change after account opens without notice.
IRAs
| Product | Minimum Balance to Open | Minimum Balance to Earn APY | Interest Rate | Annual Percentage Yield (APY) |
| 6 Month IRA | $100.00 | $100.00 | .75% | .75% |
| 1 Year IRA | $100.00 | $100.00 | 1.10% | 1.11% |
| 18 Month IRA | $100.00 | $100.00 | 1.15% | 1.16% |
| 5 Year IRA | $100.00 | $100.00 | 1.75% | 1.77% |
- A penalty will be imposed for early withdrawal.
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