|
 Effective
dates: 06/12/2013 to 06/18/2013
|
Certificate
of Deposit Accounts
|
|
Account Type |
Annual Percentage
Yield |
Interest Rate |
Minimum Balance To
Obtain APY |
Penalty |
|
60 MO CD [ * ]
|
0.90 |
0.90 |
$5,000.00 |
Loss of 6 Months
Simple Interest |
| |
0.80 |
0.80 |
$500.00 |
Loss of 6 Months
Simple Interest |
|
48-59 MO CD [ * ]
|
0.75 |
0.75 |
$5,000.00 |
Loss of 6 Months
Simple Interest |
| |
0.70 |
0.70 |
$500.00 |
Loss of 6 Months
Simple Interest |
|
36-47 MO CD [ * ] |
0.50 |
0.50 |
$5,000.00 |
Loss of 6 Months
Simple Interest |
| |
0.45 |
0.45 |
$500.00 |
Loss of 6 Months
Simple Interest |
|
24-35 MO CD [ * ] |
0.37 |
0.37 |
$5,000.00 |
Loss of 6 Months
Simple Interest |
| |
0.35 |
0.35 |
$500.00 |
Loss of 6 Months
Simple Interest |
|
18-23 MO CD [ * ] |
0.32 |
0.32 |
$5,000.00 |
Loss of 6 Months
Simple Interest |
| |
0.30 |
0.30 |
$500.00 |
Loss of 6 Months
Simple Interest |
|
12-17 MO CD [ * ] |
0.20 |
0.20 |
$5,000.00 |
Loss of 3 Months
Simple Interest |
| |
0.15 |
0.15 |
$500.00 |
Loss of 3 Months
Simple Interest |
|
6-11 MO [ * , 1 ] |
0.12 |
0.12 |
$5,000.00 |
Loss of 3 Months
Simple Interest |
| |
0.10 |
0.10 |
$500.00 |
Loss of 3 Months
Simple Interest |
|
3-5 MO CD [ * , 1 ] |
0.07 |
0.07 |
$5,000.00 |
Loss of 3 months
Simple Interest |
| |
0.05 |
0.05 |
$500.00 |
Loss of 3 months
Simple Interest |
|
Golden Year CD
|
60 MO
Must be 62 Years of Age |
0.70 |
0.70 |
5,000.00 |
No Penalty for One
Withdrawal. IF further withdrawals are taken a penalty
of 6 months simple interest will be imposed. |
|
|
|
Peoples Choice
CD
|
|
60 MONTH [ * , 2 ] |
0.75 |
0.75 |
$1,000.00 |
Loss of 6 Months Simple
Interest |
|
36 MONTH [ * , 2 ] |
0.45 |
0.45 |
$1,000.00 |
Loss of 6 Months Simple
Interest |
|
TWO OPTIONAL RATE INCREASES ARE AVAILABLE FOR THE 60 MONTH
PEOPLES CHOICE. ONE OPTIONAL RATE INCREASE IS AVAILABLE FOR
THE 36 MONTH PEOPLES CHOICE |
|
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|
Savings
Accounts
|
|
ACCOUNT TYPE |
APY |
INT. RATE |
MIN. BAL. TO OBTAIN APY |
MIN. BAL. TO OPEN |
|
MMDA PLUS [ * , 2 ] |
0.15 |
0.15 |
$25,000.00 |
$2,500.00 |
| |
0.15 |
0.15 |
$10,000.00 --$24,999.99 |
$2,500.00 |
| |
0.10 |
0.10 |
$2,500.00-$9,999.99 |
$2,500.00 |
| |
0.10 |
0.10 |
$.01 - 2,499.99 |
$2,500.00 |
|
MMDA [ * , 2 ] |
0.10 |
0.10 |
$l,000.00 |
$1,000.00 |
|
|
0.05 |
0.05 |
$.01 - $999.99 |
$1,000.00 |
|
REG. SAVINGS [ * , 2 ] |
0.10 |
0.10 |
$0.01 |
$50.00 |
|
|
|
|
|
|
|
SUPER NOW [ * * , 2 ] |
0.10 |
0.10 |
$2,500.00 |
$50.00 |
|
|
0.05 |
0.05 |
$.01 - $2,499.99 |
$50.00 |
|
NOW [ * , 2 ] |
0.05 |
0.05 |
$1,000.00 |
$50.00 |
|
|
0.03 |
0.03 |
$.01 - $999.99 |
$50.00 |
* Compounded Daily
** Compounded Monthly
(1)Annual percentage yield based on principal balance plus
accumulated interest renewed at the same rate.
(2)The interest rate may change on these accounts after
opening and fees may reduce the earnings on the account.
CERTIFICATE OF
DEPOSIT: Interest may be paid to customer monthly with a
deposit of $10,000 or more on Certificate of Deposit. Interest
may be paid to customer quarterly with a deposit of $2,500 or
more on Certificate of Deposit. Interest may be paid by check
or deposit to customer's account. The Annual Percentage Yield
assumes interest will remain on deposit until maturity.
Substantial Penalty for Early Withdraw Rates are Subject To
Change Without Notice. |
|
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|
Individual
Retirement Accounts
|
|
|
|
|
|
|
| |
|
|
|
|
|
60 MO. IRA CD [ * ] |
0.90 |
0.90 |
$5,000.00 |
Loss of 6 Months Simple
Interest |
| |
0.80 |
0.80 |
$500.00 |
Loss of 6 Months Simple
Interest |
|
48-59 MO IRA CD [ * ] |
0.75 |
0.75 |
$5,000.00 |
Loss of 6 Months Simple
Interest |
| |
0.70 |
0.70 |
$500.00 |
Loss of 6 Months Simple
Interest |
|
36-47 MO IRA CD [ * ] |
0.50 |
0.50 |
$5,000.00 |
Loss of 6 Months Simple
Interest |
| |
0.45 |
0.45 |
$500.00 |
Loss of 6 Months Simple
Interest |
|
24-35 MO IRA CD [ * ] |
0.37 |
0.37 |
$5,000.00 |
Loss of 6 Months Simple
Interest |
| |
0.35 |
0.35 |
$500.00 |
Loss of 6 Months Simple
Interest |
|
18-23 MO IRA CD [ * ] |
0.32 |
0.32 |
$5,000.00 |
Loss of 6 Months Simple
Interest |
| |
0.30 |
0.30 |
$500.00 |
Loss of 6 Months Simple
Interest |
|
12-17 MO IRA CD [ * ] |
0.20 |
0.20 |
$5,000.00 |
Loss of 3 Months Simple
Interest |
| |
0.15 |
0.15 |
$500.00 |
Loss of 3 Months Simple
Interest |
|
6-11 MO IRA CD [ * , 1 ] |
0.12 |
0.12 |
$5,000.00 |
Loss of 3 Months Simple
Interest |
| |
0.10 |
0.10 |
$500.00 |
Loss of 3 Months Simple
Interest |
|
3-5 MO IRA CD [ * , 1 ] |
0.07 |
0.07 |
$5,000.00 |
Loss of 3 Months Simple
Interest |
| |
0.05 |
0.05 |
$500.00 |
Loss of 3 Months Simple
Interest |
| |
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| |
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|
Peoples Choice
IRA CD
|
|
60 MONTH |
0.75 |
0.75 |
$1000.00 |
Loss of 6 Months Simple
Interest |
|
36 MONTH [ * , 2 ] |
0.45 |
0.45 |
$1000.00 |
Loss of 6 Months Simple
Interest |
|
|
|
|
|
|
|
TWO OPTIONAL RATE INCREASES ARE AVAILABLE FOR THE 60 MONTH
PEOPLES CHOICE ONE OPTIONAL RATE INCREASE IS AVAILABLE FOR THE
36 MONTH PEOPLES CHOICE |
|
|
|
Peoples Special
IRA CD |
|
|
|
|
|
|
|
18 MO FLOATING IRA [ * ,
2 ]
|
0.35 |
0.35 |
$100.00 |
Loss of 6 Months Simple Interest Rate
in effect date of withdrawal
|
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* Compounded Daily
** Compounded Monthly
(1)Annual percentage yield based on principal balance plus
accumulated interest renewed at the same rate.
(2) The interest rate may change on these accounts after
opening and fees may reduce the earnings on the account.
The annual percentage yield assumes interest will remain on
deposit until maturity.
Substantial Penalty for Early Withdraw Rates are Subject To
Change Without Notice |
|
|
$100.00 Loss of 6 Months Simple Interest Rate
in effect date of withdrawal
|
