| Checking And Savings - January 2009 | ||
|
Interest Rate
|
Annual Percentage Yield
|
|
|
Regular Checking
|
-0-
|
-0-
|
|
Investment Checking
|
||
|
$1,500.00-$9,999.99
|
.25
|
.25
|
|
$10,000.00-$19,999.99
|
.35
|
.35
|
|
$20,000.00 and over
|
.50
|
.50
|
|
Passbook Savings
(Compunds Quarterly) |
.50
|
.50
|
| At our discretion, we may change the interest rate on these accounts. Fees could reduce earnings on these accounts. | ||
| Investment Savings - January 2009 | ||
|
Interest Rate
|
Annual Percentage Yield
|
|
|
$0 - $4,999.99
|
.50
|
.50
|
|
$5,000.00 - $24,999.99
|
1.00
|
1.00
|
|
$25,000.00 - $74,999.99
|
1.50
|
1.51
|
|
$75,000.00 and Over
|
1.75
|
1.76
|
| At our discretion, we may change the interest rate on these accounts. Fees could reduce earnings on these accounts. | ||
| Time Deposits - January 2009 | ||||
|
Term
|
Minimum Deposit
|
Interest Rate
|
Annual Percentage Yield
|
Penalty for Early Withdrawal
|
|
3 Months
|
$2500
|
2.00
|
2.02
|
91 Days Interest
|
|
6 Months
|
$2500
|
2.00
|
2.01
|
91 Days Interest
|
|
12 Months
|
$500
|
2.97
|
3.00
|
91 Days Interest
|
|
18 Months
|
$500
|
2.45
|
2.47
|
182 Days Interest
|
|
30 Months
|
$500
|
2.65
|
2.68
|
182 Days Interest
|
|
48 Months
|
$500
|
3.10
|
3.14
|
182 Days Interest
|
|
Term of 7 months or more compounds quarterly At our discretion, we may change the interest rate on these accounts. Fees could reduce earnings on these accounts. |
||||
|
Current Time Deposit Account Specials January 2009 |
||||
|
Term
|
Minimum Deposit
|
Interest Rate
|
Annual Percentage Yield
|
Penalty for Early Withdrawal
|
|
12 Month
|
$500
|
2.97
|
3.00
|
91 Days Interest
|
|
17 Month
|
$500
|
3.00
|
3.03
|
182 Days Interest
|
| At our discretion, we may change the interest rate on these accounts. Fees could reduce earnings on these accounts. | ||||
| IRA Prime Minus 2.5% Certificate of Deposit | ||||
|
Term
|
Minimum Deposit
|
Interest Rate
|
Annual Percentage Yield
|
Penalty for Early Withdrawal
|
|
48 Month
|
$1000
|
4.00
|
4.06
|
182 Days Interest
|
|
Rate adjusts whenever Prime Rate (Currently 5.00)changes. Floor rate of 4.0%. May make additional deposits of $1000 or more. |
||||
