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Rates are in effect as of May
16, 2013
Rates are subject to change
without notice.
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| *
Annual Percentage Yield |
| Personal
Checking
|
Interest
Rate |
APY* |
Interest
Plus Checking
Minimum to Open - $25.00
Minimum Daily Balance to Earn APY: |
| Tier
1 |
$0 to $499 |
0% |
0% |
| Tier
2 |
$500 to $2,499 |
.05% |
.05% |
| Tier
3 |
$2,500 to $9,999 |
.05% |
.05% |
| Tier
4 |
$10,000 and greater |
.05% |
.05% |
Performance
Plus Checking
Minimum to Open - $25.00
Minimum Daily Balance to Earn APY: |
| Tier
1 |
$0 to $2,499 |
0% |
0% |
| Tier
2 |
$2,500 to $24,999 |
.05% |
.05% |
| Tier
3 |
$25,000 to $49,999 |
.05% |
.05% |
| Tier
4 |
$50,000 and greater |
.10% |
.10% |
|
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*
Annual Percentage Yield |
| Personal
Savings
|
Interest
Rate |
APY*
|
Passbook
Savings
Minimum to Open - $10.00
Minimum Daily Balance to Earn APY - $100.00 |
.10% |
.10% |
Statement
Savings
Minimum to Open - $10.00
Minimum Daily Balance to Earn APY - $200.00 |
.10% |
.10% |
Holiday
Savings Club
Minimum to Open - $10.00
Minimum Daily Balance to Earn APY: None |
.10% |
.10% |
Health
Savings Account (HSA)
Minimum to Open - $10.00
Minimum Daily Balance to Earn APY: |
| Tier
1 |
$0
to $2,499 |
.05% |
.05% |
| Tier
2 |
$2,500
to $4,999 |
.05% |
.05% |
| Tier
3 |
$5,000
and greater |
.10% |
.10% |
|
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*
Annual Percentage Yield |
| Money
Market Accounts
|
Interest
Rate |
APY* |
Minimum
to Open - $10.00
Minimum Daily Balance to Earn APY: |
| Tier
1 |
$0
to $2,499 |
.10% |
.10% |
| Tier
2 |
$2,500
to $9,999 |
.15% |
.15% |
| Tier
3 |
$10,000
to $49,999 |
.15% |
.15% |
| Tier
4 |
$50,000
and greater |
.15% |
.15% |
|
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*
Annual Percentage Yield |
| Jumbo
Money Market Accounts
|
Interest
Rate |
APY* |
Minimum
to Open - $10.00
Minimum Daily Balance to Earn APY: |
| Tier
1 |
$0
to $49,999 |
.15% |
.15% |
| Tier
2 |
$50,000
to $99,999 |
.20% |
.20% |
| Tier
3 |
$100,000
to $249,999 |
.25% |
.25% |
| Tier
4 |
$250,000
to $499,999 |
.25% |
.25% |
| Tier
5 |
$500,000
and greater |
.25% |
.25% |
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*
Annual Percentage Yield |
|
Certificates
of Deposit &
Individual Retirement Account
|
Interest
Rate |
APY* |
3
Month
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 |
$ 1,000 |
.15% |
.15% |
| Tier
2 |
$ 10,000 |
.15% |
.15% |
| Tier
3 |
$ 50,000 |
.15% |
.15% |
| Tier
4 |
$100,000 and up |
.15% |
.15% |
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6
Month
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 |
$ 1,000 |
.15% |
.15% |
| Tier
2 |
$ 10,000 |
.15% |
.15% |
| Tier
3 |
$ 50,000 |
.15% |
.15% |
| Tier
4 |
$100,000 and up |
.15% |
.15% |
|
9
Month - 20/20 Bump-Up
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 |
$ 1,000 |
.20% |
.20% |
| Tier
2 |
$ 10,000 |
.20% |
.20% |
| Tier
3 |
$ 50,000 |
.20% |
.20% |
| Tier
4 |
$100,000 and up |
.20% |
.20% |
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12
Month
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 |
$ 1,000 |
.25% |
.25% |
| Tier
2 |
$ 10,000 |
.25% |
.25% |
| Tier
3 |
$ 50,000 |
.25% |
.25% |
| Tier
4 |
$100,000 and up |
.25% |
.25% |
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18
Month 20/20 Bump-Up
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 |
$ 1,000 |
.30% |
.30% |
| Tier
2 |
$ 10,000 |
.30% |
.30% |
| Tier
3 |
$ 50,000 |
.30% |
.30% |
| Tier
4 |
$100,000 and up |
.30% |
.30% |
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24
Month
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 |
$ 1,000 |
.40% |
.40% |
| Tier
2 |
$ 10,000 |
.40% |
.40% |
| Tier
3 |
$ 50,000 |
.40% |
.40% |
| Tier
4 |
$100,000 and up |
.40% |
.40% |
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30
Month
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 |
$ 1,000 |
.45% |
.45% |
| Tier
2 |
$ 10,000 |
.45% |
.45% |
| Tier
3 |
$ 50,000 |
.45% |
.45% |
| Tier
4 |
$100,000 and up |
.45% |
.45% |
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36
Month
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 |
$ 1,000 |
.60% |
.60% |
| Tier
2 |
$ 10,000 |
.60% |
.60% |
| Tier
3 |
$ 50,000 |
.60% |
.60% |
| Tier
4 |
$100,000 and up |
.60% |
.60% |
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48
Month
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 |
$ 1,000 |
.80% |
.80% |
| Tier
2 |
$ 10,000 |
.80% |
.80% |
| Tier
3 |
$ 50,000 |
.80% |
.80% |
| Tier
4 |
$100,000 and up |
.80% |
.80% |
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60
Month
Minimum to Open - $1,000.00
Minimum Daily Balance to Earn APY: |
| Tier
1 |
$ 1,000 |
1.00% |
1.00% |
| Tier
2 |
$ 10,000 |
1.00% |
1.00% |
| Tier
3 |
$ 50,000 |
1.00% |
1.00% |
| Tier
4 |
$100,000 and up |
1.00% |
1.00% |
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Interest
Plus Checking, Performance Plus Checking, Passbook Savings,
Statement Savings and Money Market Accounts are variable rate
accounts. The
Interest Rate and Annual Percentage Yield (APY) may change after
the opening of these type of accounts.
Certificate
of Deposits are subject to a substantial penalty for any
withdrawal of principal prior to maturity. The penalty amount is
equal to ninety (90) days interest on certificate of deposit
terms of less than 12 months, one hundred and eighty (180) days
interest on certificate of deposits with terms of 18 months but
less than 36 months and three hundred and sixty (360) days
interest on certificate of deposit terms of 36 months or greater
whether earned or not, on the amount withdrawn at the nominal
(simple) interest rate being paid on the account regardless of
the length of time the funds withdrawn have remained in the
account. This penalty will be waived in the event of the death
of any Accountholder or when any Accountholder has been
determined to be legally incompetent by a court or other
administrative body. The stated yield for CDs of less than one
year assumes the reinvestment of principal and interest at the
same rate, although the rate may not be available upon renewal.
Interest
on all accounts is compounded monthly from day of deposit to day
of withdrawal and shall be credited to the account monthly.
Fees
and other conditions may reduce the earnings on the account.
The
Deposit Rates quoted are accurate as of the date at the top of
this page. All
deposit rates and annual percentage yields offered are subject
to change without notice. For
today's rates and yields, call us or visit one of our
convenient locations.
For
full account details, please contact the branch office most
convenient to you or call
our Customer Service Center at 860-688-8511.
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Equal
Housing Lender