Effective March 8, 2010
|
CERTIFICATES OF DEPOSIT (Minimum Deposit of $1000)
|
| Terms |
Interest Rate |
APY* |
| 3 Month |
0.995% |
1.00% |
| 6 Month |
1.195%
|
1.20% |
| 12 Month |
1.640% |
1.65% |
| 18 Month |
1.735% |
1.75% |
| 24 Month |
1.785% |
1.80% |
| 36 Month |
1.985% |
2.00% |
| 60 Month |
2.030% |
2.05% |
|
PROMOTIONS (Minimum Deposit of $1,000)
|
|
|
| 12 Month |
1.640%
|
1.65% |
| 18 Month |
1.735% |
1.75% |
| 24 Month |
1.785% |
1.80% |
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 stated Interest |
Interest Rate |
APY* |
| Capital Checking / $3500 |
0.995% |
1.00% |
| Transaction Checking / $700 |
0.649% |
0.65% |
| Senior Advantage Plus Checking / $750 |
0.499% |
0.50% |
| Statement Savings Account / $100 |
0.995% |
1.00% |
|
SMART MONEY MARKET CHECKING
|
| Balance to Obtain APR |
Interest Rate |
APY* |
| $300,000 & over |
1.830% |
1.85% |
| $100,000 - $299,999 |
1.440% |
1.45% |
| $50,000 - $99,999 |
1.240% |
1.25% |
| $2,500 - $49,999 |
1.040% |
1.05% |
| |
| SMART BUSINESS MONEY MARKET CHECKING |
| Balance to Obtain APR |
Interest Rate |
APY* |
| $300,000 & over |
1.830% |
1.85% |
| $100,000 - $299,999 |
1.440% |
1.45% |
| $50,000 - $99,999 |
1.240% |
1.25% |
| $3,000 - $49,999 |
1.040% |
1.05% |
| |
| NON PROFIT BUSINESS CHECKING |
| Balance to Obtain APR |
Interest Rate |
APY* |
| $100,000 & Over |
1.495% |
1.50% |
| $50,000 - $99,999 |
1.195% |
1.20% |
| $10,000 - $49,999 |
1.095% |
1.10% |
| $2,500 - $9,999 |
0.995% |
1.00% |
* APY = ANNUAL PERCENTAGE YIELD. YIELDS SUBJECT TO CHANGE WITHOUT NOTICE.