Rates

All Annual Percentage Yields are effective as of today's date.

Date last rate change: September 29, 2009.

CHRISTMAS CLUB - IF YOU MAKE 49 CONSECUTIVE AND TIMELY WEEKLY DEPOSITS OF THE SAME AMOUNT TO THIS ACCOUNT, THEN WE WILL MAKE THE FIFTIETH DEPOSIT OF THAT AMOUNT FOR YOU.  CHECKS WILL BE ISSUED THE SECOND WEEK OF NOVEMBER

    INTEREST RATE ANNUAL
PERCENTAGE YIELD 
NOW ACCOUNT ($500.00 Minimum to open)

 0.20%

 0.20%

(NO LIMIT ON NUMBER OF CHECKS PER MONTH)
(MINIMUM BALANCE OF $500 TO AVOID MONTHLY FEE OF $5.00 PER MONTH.)

       

SUPER NOW ACCOUNT

($2,000.00 MIN.)

0.25%

0.25%

(NO LIMIT ON NUMBER OF CHECKS PER MONTH)
(MINIMUM BLANCE OF $2,000 TO AVOID MONTLY FEE OF $10.00 PER MONTH)

       
REGULAR SAVINGS   0.50% 0.50%
(OVER THREE WITHDRAWALS –  $1.00 SERVICE CHARGE PER DEBIT)
       
MONEY MARKET ($1,000 to over)    
  $1.00 TO $999.99  0.25%  0.25%
  $1,000.00 TO $4,999.99 0.35% 0.35%
  $5,000.00 TO $49,999.99 0.70% 0.70%
  $50,000.00 to $199,999.99 0.85%  0.85%
  $200,000.00 and over 1.00% 1.00%
(TRANSFERS FROM A MMDA TO ANOTHER ACCOUNT OR TO THIRD PARTIES BY PREAUTHORIZED, AUTOMATIC, PHONE, OR COMPUTER TRANSFER OR BY CHECK, DRAFT OR SIMILAR ORDER TO THIRD PARITES ARE LIMITED TO SIX PER STATEMENT CYCLE.)
       
SMART CHECKING $1.00 TO $14,999.99  2.96%  3.00%

IF YOU HAVE MET THE 3 REQUIREMENTS DURING THE MONTH YOU WILL RECEIVE THE ABOVE RATE.  THE REQUIREMENTS ARE: 1) 10 SIGNATURE-BASED VISA CHECK CARD TRANSACTIONS 2) 2 AUTOMATIC DEBITS 3) EMAIL STATEMENTS

  $1.00 TO $14,999  0.50%  0.50%

IF YOU DO NOT MEET THE 3 REQUIRMENTS DURING THE MONTH YOU WILL RECEIVE THE ABOVE RATE

  $15,000 AND OVER  0%  0%

WE WILL REFUND UP TO $10 PER MONTH FOR FOREIGN ATM FEES WITH SMART CHECKING

       
CERTIFICATE OF DEPOSITS (COMPOUNDED QUARTERLY)
91 DAY CERTIFICATE $2,500.00 MIN 0.85%  0.85%
6 MONTH CERTIFICATE $500.00 MIN 1.35% 1.36%
12 MONTH CERTIFICATE $500.00 MIN 1.55% 1.56%
18 MONTH CERTIFICATE $500.00 MIN 1.65% 1.66%
24 MONTH CERTIFICATE $500.00 MIN 1.85% 1.86%
30 MONTH CERTIFICATE $500.00 MIN 1.90% 1.91%
36 MONTH CERTIFICATE $500.00 MIN 2.10% 2.12%
       
JUMBO CERTIFICATE OF DEPOSIT (COMPOUNDED QUARTERLY)
91 DAY JUMBO CD $100,000.00 MIN 0.85% 0.85%
6 MONTH JUMBO CD $100,000.00 MIN 1.35% 1.36%
12 MONTH JUMBO CD $100,000.00 MIN 1.55% 1.56%
18 MONTH JUMBO CD $100,000.00 MIN 1.65% 1.66%
24 MONTH JUMBO CD $100,000.00 MIN 1.85% 1.86%
30 MONTH JUMBO CD $100,000.00 MIN 1.90% 1.91%
36 MONTH JUMBO CD $100,000.00 MIN 2.10% 2.12%

A CERTIFICATE MATURING ONE YEAR OR LESS WILL HAVE A 90 DAYS INTEREST PENALTY. A CERTIFICATE MATURING OVER A YEAR WILL HAVE A 180 DAYS INTEREST PENALTY.

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