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Deposit Rates
Certificates of Deposit (including IRAs)
Effective November 27, 2009
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$1,000 Min.
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$15,000 Min.
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$100,000 & Over
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Term
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Interest Rate / APY
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Interest Rate / APY
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Interest Rate / APY
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3 Month
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.65/.65
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.75/.75
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.90/.90
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6 Month
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.84/.84
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.94/.94
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1.09/1.09
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9 Month
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.84/.84
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.94/.94
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1.09/1.09
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12 Month
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.84/.84
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.94/.94
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1.09/1.09
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13 Month
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1.64/1.65
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1.74/1.75
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1.89/1.90
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18 Month
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.99/.99
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1.09/1.09
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1.24/1.25
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| 19 Month |
2.48/2.50 |
2.48/2.50 |
2.48/2.50 |
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21 Month
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.99/.99
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1.09/1.09
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1.24/1.25
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24 Month
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1.98/1.99
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2.08/2.10
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2.23/2.25
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30 Month
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1.14/1.14
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1.24/1.25
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1.39/1.40
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36 Month
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1.24/1.25
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1.34/1.35
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1.49/1.50
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48 Month
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1.34/1.35
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1.44/1.45
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1.59/1.60
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60 Month
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2.48/2.50
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2.58/2.60
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2.72/2.75
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* Ask about our
Pick-A-Rate option.
- Minimum amount required to open a 3 Month to 60 Month CD is $1,000.00.
- Certificates of Deposit are automatically renewable. You will have 10 calendar days after the maturity date to withdraw funds without penalty.
- The 13 Month CD will automatically renew for a term of 12 months and will be subject to the 12 Month CD rates and terms in effect at the time of renewal.
- Interest begins to accrue on the day of the deposit.
- Interest on Certificates of Deposit will be compounded and credited quarterly.
- Balance Computation Method – We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. Adding the principal in the account for each day of the period and dividing that figure by the number of days in the period calculate the average daily balance. The period we use is the Interest Cycle.
- The annual percentage yield assumes that interest remains on deposit until maturity. A withdrawal of interest will reduce earnings.
- Penalties for withdrawal of principal and interest may apply.
- The penalty for CDs ranging from 3 months to 13 Months will be 3 months interest on the amount withdrawn.
- The penalty for CDs greater than 13 months will be 6 Months interest on the amount withdrawn.
- You may make withdrawals of principal from your account before maturity only if we agree at the time of your request.
- You may only withdraw interest credited in the prior quarter without penalty. Interest may be withdrawn anytime during the quarter after it is credited to your account.
- A 3-Month to 60-Month IRA CD may be opened with a minimum of $100.00. Ask one of our IRA specialists for complete IRA details.
Checking and Savings Accounts
Personal Money Market Savings ($100 minimum to open)
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Tiers
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Interest Rate / APY
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0 - $9,999.99
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.15/.15
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$10,000.00 - $19,999.99
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.30/.30
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$20,000.00 - $49,999.99
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.60/.60
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$50,000.00 - $999,999.99
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.75/.75
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$1,000,000.00 and over
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1.00/1.00
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Health Savings Accounts
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Tiers
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Interest Rate / APY
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under $1,500
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1.50/1.51
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$1,500 - $4,999
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1.50/1.51
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$5,000 - $9,999
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1.50/1.51
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$10,000 – $49,999
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2.00/2.02
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$50,000 – $99,999
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2.00/2.02
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$100,000 and over
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2.00/2.02
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Other Accounts
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Interest Rate / APY
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Business Money Market Savings
($2,000 minimum to open) |
.50/.50
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Jr. Savings
($5 Minimum to Open)
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.25/.25
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Regular Savings
($100 minimum to open)
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.15/.15
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Non Profit Checking
($10,000 minimum to open)
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.50/.50
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Interest Checking
($100 minimum to open)
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.10/.10
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WOW! Checking
($100 minimum to open)
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Ask for an account information brochure for complete checking and savings account details. |
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Christmas Club
(Electronic Transactions Only)
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.25/.25 |
Checking and Savings rates may change after the account is opened. Fees could reduce earnings on an account.
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