Effective June 3, 2013
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CERTIFICATES OF DEPOSIT (Minimum Deposit of $1000)
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| Terms |
Interest Rate |
APY* |
| 3 Month |
0.19% |
0.20% |
| 6 Month |
0.29%
|
0.30% |
| 12 Month |
0.69% |
0.70% |
| 18 Month |
0.79% |
0.80% |
| 24 Month |
0.94% |
0.95% |
| 36 Month |
0.99% |
1.00% |
| 48 Month |
1.29% |
1.30% |
| 60 Month |
1.39% |
1.40% |
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PROMOTIONS (Minimum Deposit of $1,000)
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SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL
SAVINGS, NOW, & MONEY MARKET RATES
Rate may change after account opening. Fees could reduce earnings
| ACCOUNT/minimum balance to earn the APY* |
Interest Rate |
APY* |
| Capital Checking / $3500 |
0.49% |
0.50% |
| Transaction Checking / $700 |
0.39% |
0.40% |
| Senior Advantage Plus Checking / $750 |
0.39% |
0.40% |
| Statement Savings Account / $100 |
0.39% |
0.40% |
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SMART MONEY MARKET CHECKING
|
| Balance to Obtain APY* |
Interest Rate |
APY* |
| $300,000 & over |
0.74%
|
0.75% |
| $100,000 - $299,999 |
0.69% |
0.70% |
| $50,000 - $99,999 |
0.59% |
0.60% |
| $2,500 - $49,999 |
0.29% |
0.30% |
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| SMART BUSINESS MONEY MARKET CHECKING |
| Balance to Obtain APY* |
Interest Rate |
APY* |
| $300,000 & over |
0.74% |
0.75% |
| $100,000 - $299,999 |
0.69% |
0.70% |
| $50,000 - $99,999 |
0.59% |
0.60% |
| $3,000 - $49,999 |
0.29% |
0.30% |
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| NON PROFIT BUSINESS CHECKING |
| Balance to Obtain APY* |
Interest Rate |
APY* |
| $100,000 & Over |
0.59% |
0.60% |
| $50,000 - $99,999 |
0.59% |
0.60% |
| $10,000 - $49,999 |
0.49% |
0.50% |
| $2,500 - $9,999 |
0.34% |
0.35% |
* APY = ANNUAL PERCENTAGE YIELD. YIELDS SUBJECT TO CHANGE WITHOUT NOTICE.