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Rates
Deposit Products: Effective 01/25/10
| Products |
Minimun to Earn |
Interest Rate |
Annual Percentage Yield (APY) |
| Choice Checking |
Top Choice
($5,000 Minimum To Open) |
$5,000 |
1.49% |
1.50% |
Interest Choice
($500 Minimum To Open) |
$500 |
0.50% |
0.50% |
No Fee Choice
($200 Minimum To Open) |
N/A |
0.00% |
0.00% |
| IRA Statement Savings |
$50 |
1.00% |
1.00% |
| Sensible Savings |
Earns Interest on All Balances |
1.00% |
1.00% |
| (No Required Minimum to Open) |
Tiered Money Market*
($1,000 Minimum To Open) |
$125,000 and over |
1.49% |
1.50% |
| |
$75,000 - 124,999 |
1.24% |
1.25% |
| |
$25,000 to $74,999 |
1.00% |
1.00% |
| |
$10,000-$24,999 |
0.75% |
0.75% |
| |
$0-$9,999 |
0.25% |
0.25% |
Term CD Rates: Effective 01/25/10 to next update
| TERM CD RATES |
Cd Minimum Deposit/Earn |
IRA Minimum Deposit/Earn |
Interest Rate |
Annual Percentage Yield (APY) |
|
$500 |
$100 |
| |
|
|
|
|
| 3 Months |
$500 |
N/A |
0.95% |
0.95% |
| 6 Months |
$500 |
$100 |
1.09% |
1.10% |
| 9 Months |
$500 |
$100 |
1.34% |
1.35% |
| 12 Months |
$500 |
$100 |
1.69% |
1.70% |
| 18 Months |
$500 |
$100 |
1.83% |
1.85% |
| 24 Months |
$500 |
$100 |
2.03% |
2.05% |
| 30 Months |
$500 |
$100 |
2.18% |
2.20% |
| 36 Months |
$500 |
$100 |
2.62% |
2.65% |
| 48 Months |
$500 |
$100 |
2.96% |
3.00% |
| 60 Months |
$500 |
$100 |
3.25% |
3.30% |
| Design your own - between 6 and 60 months |
$500 |
$100 |
call for rates 1-800-950-0236 |
|
- No Brokers.
- ***RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE***
- IRAs -- $100 minimum for CD terms 6 months or longer and $50 for statement savings.
- A penalty may be imposed for early withdrawal.
- Fees may reduce earnings.
Member FDIC
IRA Products: Effective 01/25/10 to next update
| IRA PRODUCTS |
IRA Minimum Deposit/Earn |
Term |
Interest Rate |
Annual Percentage Yield (APY) |
| IRA Statement Savings |
$50 |
no term |
1.00% |
1.00% |
| Regular CD |
$100 |
6 Months and greater |
same as CD special rates |
same as CD special rates |
Notes:
- The interest rates for savings are variable and subject to change at anytime. The rates are not tied to an index unless specifically stated by the product.
- The fixed rate shown on the certificate when purchased is guaranteed for the term of the deposit.
- To earn the stated APY, interest earnings are added to the investment.
- Withdrawals will affect the abililty to earn stated APY.
- A penalty may be imposed for early withdrawal on term accounts.
- Additionally, IRS may impose a penalty for IRA withdrawals made prior to accountholder reaching the age of 59 ½.
|
Loan Product: Effective 01/25/10 to next update
| Product |
Daily Periodic Rate |
APR* |
| Checkline Overdraft Protection |
.0003835 |
14.00% |
* Annual Percentage Rate
|
