Bloomfield State Bank's Current Interest Rates

Effective11/17/08 through 11/23/08

T-Bills

Length

 Interest Rate
3 month .355%
6 month .990%
12 month 1.24%

 

 
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 1.16% 1.15% $1000   3 Months 10 Days Quarterly
     Effective 11/01/08   1.40%  -25 Pts. 

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 No Pts. 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

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
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     N/A Monthly
0.60% 0.595% $25000.01-$100,000 N/A Monthly
  0.75% 0.745% $100,000.01+        
 
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 Monthly
  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 Combined Product Type Balance(s) Greater than Eqal To $5,000
Money Market Savings or Individual Retirement Account    +  .10 $50,000 Combined Product Type Balance(s) Greater than Eqal 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******

*Annual Percentage Yield