Home Online Banking Login Loan Applications Financial Calculators Products Rates To Report Lost or Stolen Visa / Debit Cards Identity Theft Links Contact Us Employment Opportunities About Us Community Involvement Privacy-Policy	Rates effective as of 03/08/10 Deposit Rates Type    APY 6 MONTH TIME DEPOSIT CD    1.30 7 MONTH TIME DEPOSIT CD    1.30 9 MONTH TIME DEPOSIT CD    1.30 1 YEAR TIME DEPOSIT CD    1.55 13 MONTH TIME DEPOSIT CD    1.55 15 MONTH TIME DEPOSIT CD    1.55 18 MONTH TIME DEPOSIT CD    1.55 2 YEAR TIME DEPOSIT CD    1.65 27 MONTH TIME DEPOSIT CD    1.65 30 MONTH TIME DEPOSIT CD    1.65 3 YEAR TIME DEPOSIT CD    1.65 4 YEAR TIME DEPOSIT CD    1.75 5 YEAR TIME DEPOSIT CD    2.10 1 YEAR ADVANTAGE TIME DEPOSIT CD    1.45 2 YEAR ADVANTAGE TIME DEPOSIT CD    1.55 STATEMENT SAVINGS    .50 CHRISTMAS CLUB    .50 PREMIUM SAVINGS    1.00 NOW    .50 MONEY MARKET CHECKING    .50 PREMIER CHECKING    .50   For disclosure purposes APY is the abreviation for Annual Percentage Yield.The Bank offers 6 month to 60 month CD's with a fixed interest rate. The Bank has two CD's the 1 year and 2 year Advantage CD that have a variable rate. On these accounts the interest rate may change after the account is opened.For all CD's the minimum balance to open the account and to obtain the Annual Percentage Yield is $500.00. There maybe a penalty for early withdrawal on all CD's. The Money Market,Statement Savings and Premium Savings accounts are all subject to the transaction limits as set by regulation D. The limits are as follows: A depositor is permitted or authorized to make no more than six transfers and withdrawals, or a combination of such transfers and withdrawals, per calendar month or statement cycle (or similar period) of at least four weeks, to another account (including a transaction account) of the depositor at the same institution or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, and no more than three of the six such transfers may be made by check, draft, debit card, or similar order made by the depositor and payable to third parties.The NOW,Premier Checking,Money Market, Regular Savings,Premium Savings and Christmas Club have rates that may change after the account is opened. The NOW account requires a minimum balance of $500 to open the account. No interest is paid on a collected balance less than $500.The Money Market account requires a minimum balance of $1000 to open the account. No interest is paid on a collected balance less than $500. The Regular Savings account requires a minimum balance of $50 to open the account. A balance less than $100 does not earn interest. The Premium Savings account requires a minimum balance of $5000 to open the account. A balance less than $5000 earns interest at the Regular savings account rate. A balance less than $100 does not earn interest. The Christmas Club requires a minimum balance of $10 to open the account and obtain the APY. Premier Checking requires a minimum balance of $200 to open the account and obtain the APY. Fees could reduce the earnings on all of the listed accounts.
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