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IMPORTANT FDIC DEPOSIT INSURANCE NOTIFICATIONS
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deposit rates, cd rates, ira rates, savings rates, checking rates, money market rates


Rates are in effect as of April 17, 2014
Rates are subject to change without notice.

* 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 .10% .10%
Tier 2  $ 10,000 .10% .10%
Tier 3  $ 50,000 .10% .10%
Tier 4  $100,000 and up .10% .10%

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%

**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%

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%

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%

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%

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%

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%

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.

**Individual Retirement Account Certificates of Deposit range from 3 months to 5 years and the minimum balance to open an IRA CD is $1,000 except for the 1 year IRA CD which has a minimum balance to open of $100.  The 1 year IRA CD is ideal for the individual that is attracted by the small initial deposit requirement and the ability to make additional contributions of $20.00 or more at any time.

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