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Effective November 17, 2008

CERTIFICATES OF DEPOSIT (Minimum Deposit $1,000 unless otherwise stated)

Terms Interest Rate APY*
3 Month 2.230% 2.25%
6 Month

3.055%

3.10%
10 Month 3.540% 3.60%
12 Month 3.105% 3.15%
18 Month 3.105% 3.15%
24 Month (Minimum Deposit  $5,000) 3.780% 3.85%
30 Month (Minimum Deposit  $5,000) 3.780% 3.85%
36 Month (Minimum Deposit  $5,000) 3.780% 3.85%
48 Month  (Minimum Deposit $5,000) 3.105% 3.15%
60 Month  (Minimum Deposit $5,000) 3.105% 3.15%

PROMOTION CERTIFICATES OF DEPOSIT (Minimum Deposit $5,000)

Term      Interest Rate APY*
8 Month 3.920% 4.00%
13 - 15 Months 3.970% 4.05%
7 - 9 Months (Bonita Office Only) 3.970% 4.05%
13 - 15 Months (Bonita Office Only) 4.020% 4.10%

 SAVINGS, NOW, & MONEY MARKET RATES
Rate may change after account opening. Fees could reduce earnings

ACCOUNT Interest Rate APY*
Capital Checking 1.195% 1.20%
Transaction Checking 0.846% 0.85%
Senior Advantage Plus Checking 0.747% 0.75%
Statement Savings Account 0.995% 1.00%

SMART MONEY MARKET CHECKING

Balance to Obtain APR            Interest Rate APY*
$250,000 & over                      3.150% 3.20%
$100,000 - $249,999 2.030% 2.05%
$50,000 -  $99,999 1.690% 1.70%
$2,500 - $49,999 1.490% 1.50%
 
SMART BUSINESS MONEY MARKET CHECKING
Balance to Obtain APR            Interest Rate APY*
$250,000 & over        3.150% 3.20%
$100,000 - $249,999 2.030% 2.05%
$50,000 - $99,999 1.690% 1.70%
$3,000 - $49,999 1.490% 1.50%
 
NON PROFIT BUSINESS CHECKING
Balance to Obtain APR            Interest Rate APY*
$100,000 & Over      1.880% 1.90%
$50,000 - $99,999 1.390% 1.40%
$10,000 - $49,999 1.295% 1.30%
$2,500 - $9,999 1.195% 1.20%

 SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL
* APY = ANNUAL PERCENTAGE YIELD.     YIELDS SUBJECT TO CHANGE WITHOUT NOTICE.

 

  
   

 

 

 
 
 
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