ONLINE BANKING

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PERSONAL BANKING

Rates & Annual Percentage Yields

Effective April 1, 2013

Certificates of Deposit Rates

Term Rate APY Minimum Penalty
91 Days 0.10% 0.10% $2,500.00 Loss of Interest
182 Days 0.15% 0.15% $2,500.00 3 Months Interest
365 Days 0.25% 0.25% $2,500.00 3 Months Interest
15 Months 0.25% 0.25% $1,000.00 3 Months Interest
18 Months 0.30% 0.30% $1,000.00 6 Months Interest
24 Months 0.35% 0.35% $1,000.00 6 Months Interest
30 Months 0.40% 0.40% $1,000.00 6 Months Interest
36 Months 0.50% 0.50% $1,000.00 6 Months Interest
48 Months 0.75% 0.75% $1,000.00 6 Months Interest
60 Months 1.00% 1.00% $1,000.00 6 Months Interest
IRA (18 Mos.) 1.05% 1.05% $100.00 6 Months Interest**
 
CD's - penalty will be imposed for early withdrawal.
Fees could reduce earnings on accounts. 

The annual percentage yield assumes interest will remain on deposit until maturity.  A withdrawal will reduce earnings.
** IRA Customers should consult with a tax professional to determine if certain qualifications are met to make eligile contributions to an IRA account.  Certain distributions may be subject to early withdrawal penalties imposed by the IRS as well as additional Federal and State income tax.
 
Interest-Bearing Checking, Money Market & Savings Rates
 
Account Rate APY Minimum
NOW 0.05% 0.05% $500.00
Super NOW 0.05% 0.05% $2,500.00
MMDA 0.10% 0.10% $2,500.00
MMDA Jumbo 0.10% 0.10% $50,000.00
Statement Savings 0.05% 0.05% $10.00
Christmas Savings 0.05% 0.05% $10.00
 
Should the Super Now, MMDA or MMDA Jumbo account balance fall below minimum the interest will be paid at the NOW rate.       

Please contact us at (812) 254-2370 for more information.