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.