|
Checking Accounts
Effective as of 12/01/08
|
|
Account Type
|
Minimum
Daily Balance
|
Interest
Rate
|
APY*
|
|
NOW Checking Account and
Business Interest Checking Account
|
|
|
|
|
-- $500.00 To $2,499.99
|
$500.00
|
0.10%
|
0.10%
|
|
- -$2,500.00 & Up
|
$2,500.00
|
0.15%
|
0.15%
|
|
Community Checking Account
|
|
|
|
|
-- $0.01 & Up
|
$0.01
|
0.10%
|
0.10%
|
|
Extra-Mile Reward
|
|
|
|
|
-- $1,000.00 To $4,999.99
|
$1,000.00
|
0.15%
|
0.15%
|
|
-- $5,000.00 To $9,999.99
|
$5,000.00
|
0.83%
|
0.83%
|
|
-- $10,000.00 To $24,999.99
|
$10,000.00
|
0.83%
|
0.83%
|
|
--$25,000.00 To $49,999.99
|
$25,000.00
|
0.95%
|
0.95%
|
|
--$50,000.00 & Up
|
$50,000.00
|
1.00%
|
1.00%
|
|
Extra-Mile Checking
|
$2500.00
|
0.15%
|
0.15%
|
|
GateWay Club Account
|
|
|
|
|
-- $300.00 To $4,999.99
|
$300.00
|
0.15%
|
0.15%
|
|
- - $5,000.00 To $9,999.99
|
$5,000.00
|
0.83%
|
0.83%
|
|
-- $10,000.00 To $24,999.99
|
$10,000.00
|
0.83%
|
0.83%
|
|
-- $25,000.00 To $49,999.99
|
$25,000.00
|
0.95%
|
0.95%
|
|
- $50,000.00 & Up
|
$50,000.00
|
1.00%
|
1.00%
|
|
Premium Checking Account
|
|
|
|
|
-- $500.00 To $2,499.99
|
$500.00
|
0.10%
|
0.10%
|
|
_$2,500.00 To $49,999.99
|
$2,500.00
|
0.15%
|
0.15%
|
|
- $50,000.00 To $99,999.99
|
$50,000.00
|
1.99%
|
2.01%
|
|
$100,000.00 & Up
|
$100,000.00
|
2.08%
|
2.10%
|
|
Commercial Earning Allowance
|
|
|
|
|
-- October
|
|
0.927%
|
|
|
-- November
|
|
0.296%
|
|
|
RBT Prime 4.00% LIBOR 1.901%
|
|
|
|
|
* APY = Annual Percentage Yield. Fees may reduce earnings on these accounts.
|
Savings Accounts
Effective as of 10/30/08
|
|
Account Type
|
Minimum
Daily Balance
|
Interest
Rate
|
APY*
|
|
Money Market Account
|
|
|
|
|
-- $0.01 To $4,999.99
|
$0.01
|
0.15%
|
0.15%
|
|
-- $5,000.00 To $24,999.99
|
$5,000.00
|
0.40%
|
0.40%
|
|
-- $25,000.00 To $99,999.99
|
$25,0000.00
|
1.04%
|
1.05%
|
|
-- $100,000.00 To $249,999.99
|
$100,000.00
|
1.14%
|
1.15%
|
|
-- $250,000.00 & Up
|
$250,000.00
|
1.14%
|
1.15%
|
|
Statement Savings Account
|
|
|
|
|
-- $250.00 To $9,999.99
|
$100.00
|
0.20%
|
0.20%
|
|
-- $10,000.00 To $19,999.99
|
$10,000.00
|
0.25%
|
0.25%
|
|
-- $20,000.00 To $49,999.99
|
$20,000.00
|
0.35%
|
0.35%
|
|
-- $50,000.00 & Up
|
$50,000.00
|
0.50%
|
0.50%
|
|
Christmas Club Account
|
$0.01
|
0.60%
|
0.60%
|
|
Christmas Club - Business
|
$0.01
|
0.60%
|
0.60%
|
|
Vacation Club Account
|
$0.01
|
0.85%
|
0.85%
|
|
Vacation Club - Business
|
$0.01
|
0.90%
|
0.90%
|
|
* APY = Annual Percentage Yield. Fees may reduce earnings on these accounts.
|
Certificate of Deposit Accounts
Effective as of 10/31/08
|
|
Account Type/Term
|
Interest Rate
|
|
|
Fixed Rate CODs
|
|
|
|
30 Days
|
|
|
|
-- $500.00 To $9,999.99
|
1.30%
|
1.31%
|
|
-- $10,000.00 To $49,999.99
|
1.55%
|
1.56%
|
|
-- $50,000.00 & Up
|
1.79%
|
1.81%
|
|
91 Days
|
|
|
|
-- $500.00 To $9,999.99
|
1.37%
|
1.38%
|
|
-- $10,000.00 To $49,999.99
|
1.94%
|
1.96%
|
|
-- $50,000.00 & Up
|
2.22%
|
2.25%
|
|
182 Days
|
|
|
|
-- $500.00 To $9,999.99
|
2.06%
|
2.08%
|
|
-- $10,000.00 To $49,999.99
|
2.30%
|
2.33%
|
|
-- $50,000.00 & Up
|
2.55%
|
2.58%
|
|
12 Months
|
|
|
|
-- $500.00 To $9,999.99
|
2.39%
|
2.42%
|
|
-- $10,000.00 To $49,999.99
|
2.66%
|
2.70%
|
|
-- $50,000.00 & Up
|
2.94%
|
2.98%
|
|
24 Months
|
|
|
|
-- $500.00 To $9,999.99
|
2.32%
|
2.35%
|
|
-- $10,000.00 To $49,999.99
|
2.71%
|
2.75%
|
|
-- $50,000.00 & Up
|
2.96%
|
3.00%
|
|
36 Months
|
|
|
|
-- $500.00 To $9,999.99
|
2.71%
|
2.75%
|
|
-- $10,000.00 To $49,999.99
|
2.96%
|
3.00%
|
|
-- $50,000.00 & Up
|
3.30%
|
3.36%
|
|
48 Months
|
|
|
|
-- $500.00 To $9,999.99
|
2.96%
|
3.00%
|
|
-- $10,000.00 To $49,999.99
|
3.05%
|
3.10%
|
|
-- $50,000.00 & Up
|
3.34%
|
3.40%
|
|
60 Months
|
|
|
|
-- $500.00 To $9,999.99
|
3.05%
|
3.10%
|
|
-- $10,000.00 To $49,999.99
|
3.20%
|
3.25%
|
|
-- $50,000.00 & Up
|
3.44%
|
3.50%
|
|
COD SPECIALS
|
|
|
|
13 Months (DDA requirement)
|
|
|
|
--$5,000.00 To $150,000.00
|
3.15%
|
3.20%
|
|
21 Months (DDA requirement)
|
|
|
|
--$5,000.00 To $150,000.00
|
3.67%
|
3.74%
|
|
* APY = Annual Percentage Yield: The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
|
Individual Retirement Accounts
Effective as of 09/29/08
|
|
Account Type/Term
|
Interest Rate
|
APY*
|
|
Fixed Rate Accumulator IRAs
|
|
|
|
12 Months
|
|
|
|
-- $500.00 To $9,999.99
|
2.39%
|
2.42%
|
|
-- $10,000.00 To $49,999.99
|
2.66%
|
2.70%
|
|
-- $50,000.00 & Up
|
2.94%
|
2.98%
|
|
24 Months
|
|
|
|
-- $500.00 To $9,999.99
|
2.32%
|
2.35%
|
|
-- $10,000.00 To $49,999.99
|
2.71%
|
2.75%
|
|
-- $50,000.00 & Up
|
2.96%
|
3.00%
|
|
36 Months
|
|
|
|
-- $500.00 To $9,999.99
|
2.71%
|
2.75%
|
|
-- $10,000.00 To $49,999.99
|
2.96%
|
3.00%
|
|
-- $50,000.00 & Up
|
3.30%
|
3.36%
|
|
48 Months
|
|
|
|
-- $500.00 To $9,999.99
|
2.96%
|
3.00%
|
|
-- $10,000.00 To $49,999.99
|
3.05%
|
3.10%
|
|
-- $50,000.00 & Up
|
3.34%
|
3.40%
|
|
60 Months
|
|
|
|
-- $500.00 To $9,999.99
|
3.05%
|
3.10%
|
|
-- $10,000.00 To $49,999
|
3.20%
|
3.25%
|
|
-- $50,000.00 & Up
|
3.44%
|
3.50%
|
|
Variable Rate IRAs
|
|
|
|
Variable Rate IRA Savings
|
|
|
|
-- $0.01 & Up
|
1.93%
|
1.95%
|
|
* APY = Annual Percentage Yield: The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
|
CDARS Accounts
Effective Dates: Dec. 02, 2008
|
|
Account Term
|
Interest Rate
|
APY*
|
|
4 Weeks
|
1.77%
|
1.79%
|
|
13 Weeks
|
2.16%
|
2.18%
|
|
182 Days
|
2.45%
|
2.48%
|
|
12 Months
|
2.81%
|
2.85%
|
|
24 Months
|
2.78%
|
2.82%
|
|
36 Months
|
3.06%
|
3.11%
|
|
|
|
|
|
* APY = Annual Percentage Yield: The APY assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
|
Charts Updated By:cda
Date:12/02/08
CHANGES MADE: CDARS Rates
|
|
|
|
|
|
|
|
|
|
 |
