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Rates

Our current rates for CDs, checking, and savings accounts.

Rates are effective 06/25/2008

APY means “Annual Percentage Yield"

Savings and Checking Accounts

Checking Accounts ** Rate APY
NOW to $9,999.99 .25 .25
NOW 10,000 an over .35 .35
STATE CLUB ($500 average balance to earn interest) .25 .25
Savings Accounts ** Rate APY
Performance Savings ($10 minimum balance to earn interest)
    $10.00 to $2,499.99 .40 .40
    $2,500.00 to $4,999.99 .50 .50
    $5,000.00 and over .65 .65
Christmas Club .40 .40
City State Money Market Account Rate APY
$10,000 - 24,999.99 0.75 0.75
$25,000 - 49,999.99 1.25 1.25
$50,000 - $99,999.99 1.75 1.76
$100,000 and over 2.25 2.26

**The interest rates & annual percentage yields may change at any time.**
**Minimum opening deposit required for State Club Checking of $100, Minimum opening deposit for NOW Checking is $1000, Minimum opening deposit required for Performance Savings is $25, Minimum opening deposit for Money Market Savings is $10,000, and Minimum opening deposit required for Christmas Club is $1.00. Fees could reduce the earnings on the account**

Time Certificates of Deposit

Certificate Amount and Rate
  $500 - $4,999.99 $5,000 - $9,999.99 $10,000 - $24,999.99 $25,000 - $49,999.99 $50,000 and above
MONTHS RATE A.P.Y. RATE A.P.Y. RATE A.P.Y. RATE A.P.Y. RATE A.P.Y.
91 Day 1.50 1.51 1.75 1.76 2.00 2.01 2.15 2.16 2.25 2.26
182 Day 1.70 1.71 1.90 1.91 2.15 2.16 2.35 2.36 2.60 2.62
12 1.75 1.76 1.95 1.96 2.20 2.21 2.45 2.47 2.70 2.73
13 3.31% 3.35% 3.31% 3.35% 3.31% 3.35% 3.31% 3.35% 3.31% 3.35%
18 1.85 1.86 2.00 2.01 2.30 2.31 2.50 2.52 2.75 2.78
20 3.60% 3.65% 3.60% 3.65% 3.60% 3.65% 3.60% 3.65% 3.60% 3.65%
24 2.00 2.01 2.25 2.26 2.50 2.52 2.70 2.73 2.90 2.93
30 2.15 2.16 2.55 2.57 2.70 2.73 2.85 2.88 3.05 3.08
36 2.30 2.31 2.70 2.73 2.85 2.88 3.05 3.08 3.25 3.29
48 2.45 2.47 2.85 2.88 3.05 3.08 3.20 3.24 3.35 3.39
60 2.70 2.73 2.90 2.93 3.25 3.29 3.35 3.39 3.65 3.70

IRA/June, College Cache/June variable rate is 2.50%, APY 2.52%

APY means “Annual Percentage Yield”. APY calculations assume interest is compounded quarterly. Interest however is paid at maturity on the 91 day and the 182 day certificates of deposit. The interest rates & annual percentage yields may change at any time. A penalty may be imposed for early withdrawal on Certificates of Deposit. Depositors insured to $100,000.