Annual Percentage Yield (APY) and Interest Rate are
accurate as of 1/14/2010 and subject to change.
Health Savings Accounts - Tax favored accounts designed to help individuals who are covered by a high deductible health plan pay for medical expenses themselves, their spouses, and their dependents. Checks and debit cards are available with a Health Savings Accounts (HSA).
| Tier Amount |
Interest Rate |
APY |
| $0 to $999.99 |
0.50% |
0.50% |
| $1,000.00 to $4,999.99 |
1.49% |
1.50% |
| $5,000.00 to $9,999.99 |
2.47% |
2.50% |
| $10,000.00 and higher |
3.45% |
3.50% |
Minimum opening balance $25.00. Monthly service fee $2.00.
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Money Market Deposit Accounts - Hi-Fi account designed to earn higher interest rates and meet the changing needs of customers in today's faster-paced world.
| Tier Amount |
Interest Rate |
APY |
| $0 to $9,999.99 |
0.25% |
0.25% |
| $10,000.00 to $24,999.99 |
0.50% |
0.50% |
| $25,000.00 to $49,999.99 |
0.60% |
0.60% |
| $50,000.00 to $499,999.99 |
0.70% |
0.70% |
| $500,000.00 and higher |
0.70% |
0.70% |
Certificates of Deposit (CDs) - Time deposit accounts that are available for different lengths of time and earn higher rates of interest.
| Term |
Minimum |
Interest Rate |
APY |
| 90 days |
$500.00 |
0.50% |
0.50% |
| 6 months |
$500.00 |
0.80% |
0.80% |
| 12 months |
$1,000.00 |
1.14% |
1.15% |
| 18 months |
$1,000.00 |
1.44% |
1.45% |
| 24 months |
$1,000.00 |
1.69% |
1.70% |
| 30 months |
$1,000.00 |
1.93% |
1.95% |
| 36 months |
$1,000.00 |
2.13% |
2.15% |
| 48 months |
$1,000.00 |
2.37% |
2.40% |
| 60 months |
$1,000.00 |
2.72% |
2.75% |
Substantial Penalty for Early Withdrawal
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Variable Rate Retirement Accounts (IRAs)
| Minimum |
Interest Rate |
APY |
| $100.00 |
2.72% |
2.75% |
Additions may be made to the Retirement account in $100.00 increments. Rate is tied to the regular 60 month CD rate. Rate will change every six months. May take distributions any time during the year without forfeiture of interest. Anytime the account is closed out and customer is taking the lump sum or transferring it out of the Bank, there is a termination fee of $25.00.
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GoldStar Checking Accounts
| Tier Amount |
Interest Rate |
APY |
| $0 to $2,499.99 |
0.00% |
0.00% |
| $2,500.00 to $9,999.99 |
0.25% |
0.25% |
| $10,000.00 to $24,999.99 |
0.30% |
0.30% |
| $25,000.00 to $49,999.99 |
0.50% |
0.50% |
| $50,000.00 to $99,999.99 |
0.60% |
0.60% |
| $100,000.00 and higher |
0.65% |
0.65% |
Minimum opening balance $50.00.
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Prestige 50 Club Checking
| Tier Amount |
Interest Rate |
APY |
| $1,000.00 and higher |
0.25% |
0.25% |
Minimum opening balance $50.00.
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Business Interest Checking
| Tier Amount |
Interest Rate |
APY |
| $2,500.00 and higher |
0.25% |
0.25% |
Minimum opening balance $100.00.
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Savings Accounts
|
Account Type
|
Interest Rate
|
APY
|
| Regular Savings |
0.25% |
0.25% |
| Student Savings |
0.25% |
0.25% |
| Moola Moola Club |
0.25% |
0.25% |
Minimum opening balance $25.00.
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Christmas Club
| Interest Rate |
APY |
| 0.25% |
0.25% |
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