DEPOSIT RATES

RATES EFFECTIVE AUGUST 13, 2008 AND SUBJECT TO CHANGE AT ANY TIME

 
ACCOUNT TYPE
INTEREST RATE
ANNUAL
PERCENTAGE
YIELD
5 Year Certificate of Deposit*  3.93%  4.00% 
4 Year Certificate of Deposit*  3.83%  3.90% 
3 Year Certificate of Deposit*  3.74%  3.80% 
2 Year Certificate of Deposit*  3.54%  3.60% 
23 Month Certificate of Deposit*
Available for a limited time only 
3.64%  3.70% 
18 Month Certificate of Deposit*  3.45%  3.50% 
1 Year Certificate of Deposit*  3.20%  3.25% 
6 Month Certificate of Deposit*  2.96%  3.00% 
90 Day Certificate of Deposit*  2.47%  2.50% 
IRA Certificates of Deposit - all terms available     
Statement Savings Account**  .50%  .50% 
Minimum balance to open - $10.00
Minimum balance to obtain A.P.Y. - $100.00 
Young Savers Club Account**  .50%  .50% 
Minimum balance to open - $1.00 
Passbook Savings Account**  .25%  .25% 
Minimum balance to open - $10.00
Minimum balance to obtain A.P.Y. - $100.00 
Christmas Club Account  .50%  .50% 
Minimum balance to open - Coupon Amount
Minimum balance to obtain A.P.Y. - $20.00 
N.O.W. Checking**  .15%  .15% 
Minimum balance to open - $100.00
Minimum balance to obtain A.P.Y. - $500.00 
Premium Guaranty Checking**  .15%  .15% 
Minimum balance to open - $100.00 
Golden Guaranty Checking**  .15%  .15% 
Minimum balance to open - $10.00 
Premium Plus Guaranty Checking**     
$2,500.00 & over  .25%  .25% 
Daily balance up to $2,499.99  .15%  .15% 
Minimum balance to open - $100.00 
Health Savings Accounts / HSA Checking **     
Daily balance $10,000.00 & over  2.96%  3.00% 
Daily balance $5,000.00 - $9,999.99  2.23%  2.25% 
Daily balance $1,000.00 - $4,999.99  .60%  .60% 
Daily balance up to $999.99  .60%  .60% 
Minimum balance to open - $100.00 
HI-FI Account (Money Market) **     
Daily balance $10,000.00 & over  2.23%  2.25% 
Daily balance $6,000.00 - $9,999.99  1.00%  1.00% 
Daily balance $1,000.00 - $5,999.99  .60%  .60% 
Minimum balance to open and obtain A.P.Y. - $1,000.00 
* Minimum balance to open and obtain Annual Percentage Yield - $1,000.00, unless otherwise stated
** The rates may change after the account is opened.
** Fees could reduce the earnings on the account. 
Unless otherwise stated above, there is no minimum balance needed to obtain APY.
A substantial penalty may be imposed for early withdrawals on certificates of deposit. 
Ask about our Jumbo Certificate of Deposit rates!! 

 

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