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Current Rates April 1, 2014

This Rate Chart contains information about interest rates and annual percentage yields for some of the accounts we offer.

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Account Product NameMinimum Opening DepositMinimum Balance to Obtain Annual Percentage YieldInterest RateAnnual Percentage Yield
03 Month Certificate of Deposita$1,000.00 $1,000.000.20%0.20%
06 Month Certificate of Deposita$1,000.00 $1,000.000.30%0.30%
12 Month Certificate of Deposita$1,000.00 $1,000.000.40%0.40%
24 Month Certificate of Deposita$1,000.00 $1,000.000.55%0.55%
36 Month Certificate of Deposita$1,000.00 $1,000.000.70%0.70%
12 Month IRA Certificatea$1,000.00 $1,000.000.40%0.40%
18 Month Add-on IRA Certificatea$100.00 $100.000.45%0.45%
24 Month IRA Certificatea$1,000.00 $1,000.000.55%0.55%
36 Month IRA Certificatea$1,000.00 $1,000.000.70%0.70%
Basic Interest Checkingb$200.00 $200.000.10%0.10%
Primetimers Accountb  0.30%0.30%
Prestige Checking b$1,000.00 $1,000.00  
Daily Balances of:    
up to $49,999.99
$50,000.00 - 99,999.99
$100,000.00 - 999,999,999.99
Prestige Savingsb$50.00 $50.00  
Daily Balances of:    
up to $24,999.99
$25,000.00 - 49,999.99
$50,000.00 - 99,999.99
$100,000.00 and up
Young Ones Passbook Accountb$10.00 $10.000.40%0.40%
Health Savings Account (HSA)b  0.80%0.80%
13 Month CD Speciala$5,000.00$5,000.000.88%0.88%
13 Month IRA Speciala$5,000.00$5,000.000.88%0.88%
29 Month CD Speciala,b$5,000.00$5,000.001.26%1.26%
29 Month IRA Speciala,b$5,000.00$5,000.001.26%1.26%
a) A penalty may be imposed for early withdrawal.
b) The interest rate and annual percentage yield may change after account opening.
Certificate of Deposit Features
1)  A penalty may be imposed for early withdrawal.  Certificates with a term of 12 months or less are subject to a 3 month loss of interest.  Certificates with a term of over 1 year are subject to a 6 months loss of interest.
2)  All certificates are automatically renewable after a ten day grace period.  Certificates renew at the standard rates.
3)  Annual Percentage Yield assumes interest earned remains on deposit until maturity. Early withdrawal of interest will reduce earnings.
4)  Interest is compounded semi-annually unless otherwise noted on CD.
Checking & Savings Account Features
1)  The interest rate and annual percentage yields may change after account opening.
2)  Fees could reduce the earnings on the account.
3)  Young Ones Savings accounts have no maintenance fee until the account holder reaches the age of 18.  At that time the account will be converted to a Prestige Savings Account.
4)  Interest is compounded quarterly on all savings accounts.  APY assumes interest remains on deposit.  
5)  Interest is compounded monthly on all checking accounts.  APY assumes interest remains on deposit.
6)  Refer to your Truth in Savings Disclosure for all fees that may apply to your account.