Effective February 2, 2012
|
CERTIFICATES OF DEPOSIT (Minimum Deposit of $1000)
|
| Terms |
Interest Rate |
APY* |
| 3 Month |
0.29% |
0.30% |
| 6 Month |
0.39%
|
0.40% |
| 12 Month |
0.84% |
0.85% |
| 18 Month |
0.94% |
0.95% |
| 24 Month |
1.19% |
1.20% |
| 36 Month |
1.09% |
1.10% |
| 60 Month |
1.68% |
1.70% |
|
PROMOTIONS (Minimum Deposit of $1,000)
|
|
|
| |
|
|
| 14 Month |
1.04% |
1.05% |
| 24 Month |
1.19% |
1.20% |
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% |
|
SMART MONEY MARKET CHECKING
|
| Balance to Obtain APY* |
Interest Rate |
APY* |
| $300,000 & over |
0.79%
|
0.80% |
| $100,000 - $299,999 |
0.74% |
0.75% |
| $50,000 - $99,999 |
0.64% |
0.65% |
| $2,500 - $49,999 |
0.34% |
0.35% |
| |
| SMART BUSINESS MONEY MARKET CHECKING |
| Balance to Obtain APY* |
Interest Rate |
APY* |
| $300,000 & over |
0.79% |
0.80% |
| $100,000 - $299,999 |
0.74% |
0.75% |
| $50,000 - $99,999 |
0.64% |
0.65% |
| $3,000 - $49,999 |
0.34% |
0.35% |
| |
| 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.