Rates are current as of January17, 2013
Certificate of Deposit
|Maturity Type||Interest Rate %||Annual Percentage Yield (APY)||Minimum Balance to Open ($)||Compounding Frequency||Early Withdrawal Penalties**|
|3 Month||.15||.15||500||Semi-Annually||90 Days|
|6 Month||.35||.35||500||Semi-Annually||90 Days|
|12 Month||.40||.40||500||Semi-Annually||180 Days|
|18 Month||.45||.45||500||Semi-Annually||180 Days|
|24 Month||.60||.60||500||Semi-Annually||180 Days|
|30 Month||.70||.70||500||Semi-Annually||180 Days|
|48 Month||1.00||1.00||500||Semi-Annually||180 Days|
|Account Type||Interest Rate*** %||Annual Percentage Yield (APY)*||Minimum Balance to Open ($)||Minimum Balance to Earn stated (APY)|
|Super Now Account***||.15||.15||1000||0.00|
|Hi Performance MMA Account****|
|Tier 1***||.15||.15||10,000 - 74,999.99||0.00|
|Tier 2***||.20||.20||75,000.00||75,000.00 +|
* The Annual Percentage Yield assumes funds will remain on deposit for a full year at the advertised rate.
** Funds must remain on deposit until maturity to earn the advertised yield. Substantial penalty may apply for early withdrawals.
*** This is a variable rate account. The interest rate and APY may change at any time after the account is opened. Fees could reduce earnings for the applicable accounts.
****If your daily balance is $75,000.00 or more, the interest rate paid on the entire balance in your account will be at the tier two rate. If you daily balance is $74,999.00 or less, the interest rate paid on the entire balance will be at the tier one rate.