|
Checking
|
|
Account Type
|
Interest Rate
|
*APY
|
Minimum Opening Deposit
|
|
Interest Bearing/Insure NOW
|
0.20%
|
0.20%
|
none
|
|
Premier Club ($1,000 minimum average daily balance to earn APY)
|
0.50%
|
0.50%
|
$5,000 in related account
|
|
Vintage 55 Club ($1,000 minimum average daily balance to earn APY)
|
0.50%
|
0.50%
|
$2,500 in related account
|
Rates Effective as of December 30, 2008
*Annual percentage yield is based on principal plus interest reinvested at the same rate with interest compounded monthly. Fees could reduce the earnings on these accounts. Rates are subject to change after the account is opened.
|
|
Savings
|
|
Account Type
|
Interest Rate
|
*APY
|
Minimum Opening Deposit
|
|
Regular Savings
|
0.30%
|
0.30%
|
none
|
|
Money Market up to $10,000
|
0.40%
|
0.40%
|
$1,000
|
|
Money Market balance over $10,000
|
1.39%
|
1.40%
|
$1,000
|
|
Christmas Club
|
0.30%
|
0.30%
|
none
|
Rates Effective as of December 30, 2008
*Annual percentage yield is based on principal plus interest reinvested at the same rate with interest compounded monthly. Regular savings accounts are compounded quarterly. Christmas Club accounts are not compounded. Fees could reduce the earnings on these accounts. Rates are subject to change after the account is opened.
|
|
Certificates of Deposit
|
|
Account Type
|
Interest Rate
|
*APY
|
Minimum Opening Deposit
|
|
7 to 89 Days
|
1.49%
|
1.50%
|
$2,500
|
|
90 to 181 Days
|
1.49%
|
1.50%
|
$2,500
|
|
182 to 364 Days
|
1.74%
|
1.75%
|
$2,500
|
|
9 Month
|
1.74%
|
1.75%
|
$500
|
|
12 Month
|
1.99%
|
2.00%
|
$500
|
|
15 Month
|
2.97%
|
3.00%
|
$5000
|
|
18 Month
|
2.08%
|
2.10%
|
$500
|
|
2 Year
|
2.23%
|
2.25%
|
$500
|
|
3 Year
|
2.48%
|
2.50%
|
$500
|
|
4 Year
|
2.72%
|
2.75%
|
$500
|
|
5 Year
|
2.97%
|
3.00%
|
$500
|
Rates Effective as of December 30, 2008
*Annual percentage yield is based on principal plus interest reinvested at the same rate with interest compounded quarterly. Substantial penalty for early withdrawal.
|
|
Individual Retirement Accounts
|
|
Account Type
|
Interest Rate
|
*APY
|
Minimum Opening Deposit
|
|
6 Month
|
1.74%
|
1.75%
|
$2,500
|
|
9 Month
|
1.74%
|
1.75%
|
$500
|
|
12 Month
|
1.99%
|
2.00%
|
$500
|
|
15 Month
|
2.97%
|
3.00%
|
$5000
|
|
18 Month
|
2.08%
|
2.10%
|
$500
|
|
24 Month
|
2.23%
|
2.25%
|
$500
|
|
36 Month
|
2.48%
|
2.50%
|
$500
|
|
48 Month
|
2.72%
|
2.75%
|
$500
|
|
60 Month
|
2.97%
|
3.00%
|
$500
|
|
Money Market IRA
|
1.39%
|
1.40%
|
$100
|
Rates Effective as of December 30, 2008
*Annual percentage yield is based on principal plus interest reinvested at the same rate with interest compounded quarterly. Substantial penalty for early withdrawal. Rates are subject to change after the account is opened.
All IRAs except the 36, 48 and 60 month accept additional deposits. Federal tax law prescribes penalties for withdrawal before age 59 1/2. Funds can be transferred from a Money Market IRA to another IRA at any time.
|
|
Health Savings Account
|
|
Balance in Savings
|
Interest Rate
|
*APY
|
|
$0 - $1,000
|
0.50%
|
0.50%
|
|
$1,001 - $5,000
|
1.00%
|
1.00%
|
|
$5,001 - $10,000
|
1.24%
|
1.25%
|
|
$10,001 - above
|
1.39%
|
1.40%
|
Rates Effective as of December 30, 2008
*Annual percentage yield is based on principal plus interest reinvested at the same rate with interest compounded monthly. Fees could reduce the earnings on these accounts. Rates are subject to change after the account is opened.
|
|
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