Rates
Effective as of September 4th, 2010
Checking/Savings Accounts1
| Type of Account | APY* | Interest Rate |
|---|
| Interest Checking | 0.15% | 0.15% |
| Business Interest Checking | 0.15% | 0.15% |
| Savings | 0.50% | 0.50% |
Free Checking Plus Interest2
| Tier | APY* | Interest Rate |
|---|
| $500 - $9,999 | .00% - .05% | .05% |
| $10,000 - $49,999 | .05% - .15% | .15% |
| $50,000 - $999,999 | .15% - .25% | .25% |
Business Money Market Savings &
Insured Money Market Savings3
| Tier | APY* | Interest Rate |
|---|
| $2,500 - $9,999 | 0.65% | 0.65% |
| $10,000 - $49,999 | 0.85% | 0.85% |
| $50,000+ | 1.00% | 1.00% |
IRA's - Traditional, Roth & HSA4
| Tier | APY* | Interest Rate |
|---|
| 5 Year IRA | 3.04% | 3.01% |
| 4 Year IRA | 2.42% | 2.40% |
| 18 Month IRA | 1.42% | 1.41% |
| 1 Year IRA | 1.28% | 1.27% |
| IRA Variable4 | 1.01% | 1.00% |
| Coverdell Ed. Savings | 2.42% | 2.40% |
| | |
Certificates of Deposit (CDs)5
| Term | APY* | Interest Rate | APY* | Interest Rate |
|---|
| Minimum balance $20,000 | Minimum balance $1,000 |
|---|
| 5 Year | 3.04% | 3.01% | 2.94% | 2.91% |
| 4 Year | 2.42% | 2.40% | 2.22% | 2.20% |
| 42 Month | 2.09% | 2.08% | 1.89% | 1.88% |
| 3 Year | 2.11% | 2.10% | 1.91% | 1.90% |
| 30 Month | 2.01% | 2.00% | 1.86% | 1.85% |
| 2 Year | 1.51% | 1.50% | 1.48% | 1.47% |
| 18 Month | 1.42% | 1.41% | 1.32% | 1.31% |
| 1 Year | 1.28% | 1.27% | 1.07% | 1.07% |
| 182 Day | .58% | .58% | .58% | .58% |
| 90 Day | .32% | .32% | .32% | .32% |
College Fund
| APY* | Interest Rate |
|---|
| 2.42% | 2.40% |
STAR Money Market Savings
Rates effective 05/01/10 – 09/30/10
| Tier | APY* | Interest Rate |
|---|
| $10,000 - $49,999 | 1.00% | 1.00% |
| $50,000 - $99,999 | 1.08% | 1.07% |
| $100,000+ | 1.28% | 1.27% |
Club Accounts
| Type of Account | APY | Interest Rate |
|---|
| Christmas Club | 1.01% | 1.01% |
| Vacation Club | 1.01% | 1.01% |
- All rates subject to change unless otherwise noted.
- * Annual Percentage Yield
- 1=Interest Checking and Business Interest Checking - $1,000 minimum balance
- 2=Free Checking Plus - $500 minimum balance
- 3=Business Money Market Savings & Insured Money Market Savings - $2,500 minimum balance
- 4=IRA Variable - rate subject to change at any time.
- 5=Substantial penalty for early withdrawal. Subject to availability.
