|
Certificates Of
Deposit (CD's) |
|
Length |
*A.P.Y. |
Interest Rate |
Minimum Deposit |
|
Early Withdrawal Penalty |
Grace Period |
Compounding & Crediting |
|
91
Day (Fixed) |
1.65% |
1.64% |
$1000 |
|
1
Month |
10
Days |
Every 91 Days |
|
182
Day (Fixed) |
1.90% |
1.89% |
$1000 |
|
1
Month |
10
Days |
Quarterly |
|
12
Month (Fixed) |
2.10% |
2.08% |
$500 |
|
1
Month |
10
Days |
Quarterly |
|
**13 Month CD Special (Fixed)** |
2.90% |
2.87% |
$5000 |
No Pts. |
1
Month |
10
Days |
Quarterly |
|
18
Plus (18 Month Variable) |
1.64% |
1.63% |
$1000 |
|
3
Months |
10
Days |
Quarterly |
|
Effective 8/1/08 1.88% -25
Points |
UNLIMITED ADDITIONS ALLOWED
$100 MINIMUM UP TO 5 DAYS PRIOR TO MATURITY |
|
24
Month (Fixed) |
2.30% |
2.28% |
$500 |
|
3
Months |
10
Days |
Quarterly |
|
24
Month PREMIUM RATE (Fixed) |
4.25% |
4.18% |
$10000 |
|
3
Months |
10
Days |
Quarterly |
|
30
Months (Fixed) |
2.40% |
2.38% |
$500 |
|
3
Months |
10
Days |
Quarterly |
|
36
Months (Fixed) |
3.25% |
3.21% |
$500 |
No Pts. |
3
Months |
10
Days |
Quarterly |
|
**48
Month Rate Bump Special** (Fixed) |
3.80% |
3.75% |
$500 |
|
1 Month |
10
Days |
Quarterly |
|
48
Months (Fixed) |
2.75% |
2.72% |
$500 |
|
3
Months |
10
Days |
Quarterly |
|
60
Months (Fixed) |
3.00% |
2.97% |
$500 |
|
6
Months |
10
Days |
Quarterly |
|
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|
|
I.R.A. 18 Month (Variable) |
| |
*A.P.Y. |
Interest Rate |
Minimum Deposit |
Opening Deposit |
Early Withdrawal Penalty |
Grace Period |
Compounding & Crediting |
|
Traditional/Roth/ Educational
Guaranteed Minimum
*A.P.Y.
2.00% |
2.00% |
1.99% |
$100 |
$100 |
3
Month With Exceptions |
10
Days |
Quarterly |
|
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|
Checking Accounts |
| Account
Type |
*A.P.Y. |
Interest
Rate |
Minimum
To Earn Interest |
Opening
Deposit |
Monthly
Maintenance Fee |
Excess
Check Charge |
Compound
Credit Freq. |
|
Free Checking |
N/A |
N/A |
N/A |
$100 |
N/A |
N/A |
N/A |
| Rewards Checking |
0.35% |
0.345% |
$200 |
$100 |
$7.50<$1000
min. |
N/A |
Monthly |
| Grand Checking |
0.10% |
0.095% |
$1000.01-$5000 |
$1000 |
$10.00<$5000 min. |
N/A |
Monthly |
| |
0.25% |
0.245% |
$5000.01-$25000 |
|
|
|
|
| |
0.60% |
0.595% |
$25000.01-$100,000 |
|
|
|
|
| |
0.75% |
0.745% |
$100,000.01+ |
|
|
|
|
|
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|
Savings Accounts |
|
Account Type |
*A.P.Y. |
Interest
Rate |
Minimum
To Earn Interest |
Opening
Deposit |
Monthly
Maintenance Fee |
Excess
Check Charge |
Compound
Credit Freq. |
| Money
Market Checking |
0.35% |
0.345% |
<$2500 |
$2500 |
$15.00<$1000 |
Certain Conditions |
Monthly |
| |
0.35% |
0.345% |
$2500.01-$10000 |
|
|
May Apply |
|
| |
0.90% |
0.890% |
$10000.01-$25000 |
|
|
|
|
| |
1.20% |
1.190% |
$25000.01+ |
|
|
|
|
| Statement
Savings |
0.40% |
0.395% |
$1 |
$50 |
$1.00
Monthly<$100 |
$1 Per W/D
Over 4 W/D Per Mo. |
Monthly |
| Junior
Savers Club |
0.40% |
0.395% |
$1 |
$5 |
N/A |
$0.50 Per
W/D Over 1 W/D Per Mo. |
Monthly |
| Christmas
Club |
0.39% |
0.39% |
$10 |
$1 |
N/A |
$10 Early Closing Fee |
Annually |
|
|
|
| More Rewards for
our Family of Customers! |
| If you have: |
Any Term |
DDA Min. Balance |
|
| Rewards Checking |
+
.10 |
Any + Bal |
|
| Grand Checking |
+
.15 |
Any + Bal |
|
| Basic Savings
or Existing Checking |
+
.05 |
$5,000 |
4Combined Product Type
Balance(s) Greater than Equal To $5,000 |
| Money Market Savings
or Individual Retirement Account |
+
.10 |
$50,000 |
6Combined Product Type Balance(s) Greater than Equal To $50,000 |
| BillPay |
+
.05 |
Any + Bal |
|
| Home Equity or Auto Loan |
+
.05 |
Any + Bal |
|
| BSB mortgage |
+
.10 |
Any + Bal |
|
|
Open a CD over
$100,000
(Jumbo) |
+
.15 |
N/A |
|
| *****' Maximum bonus of .50%
can be applied to Fixed Rate CDs Only****** |
|
