Rates

APY = Annual Percentage Yield

Rates effective as of July 15, 2014

* See a Customer Service Representative for more information.

CD SPECIAL

TermMinimum Interest RateAPY
32 Month Special*$5,0001.24%1.25%
48 Month STEP UP Special * $5001.01%1.01%

Checking Accounts

GoldStar Checking

Minimum opening balance $50.00.

Tier AmountInterest RateAPY
$0 to $2,499.990.00%0.00%
$2,500.00 to $9,999.990.03%0.03%
$10,000.00 to $24,999.990.03%0.03%
$25,000.00 to $49,999.990.08%0.08%
$50,000.00 to $99,999.990.13%0.13%
$100,000.00 and higher0.18%0.18%

Prestige 50 Club Checking

Minimum opening balance $50.00.

Tier AmountInterest RateAPY
$1,000.00 and higher0.05%0.05%

Business Interest Checking

Minimum opening balance $100.00.

Tier AmountInterest RateAPY
$2,500.00 and higher0.030.03%

Savings Accounts

Health Savings Accounts

Minimum opening balance $25.00.

Tier AmountInterest RateAPY
$0 to $999.990.05%0.05%
$1,000.00 to $4,999.990.05%0.05%
$5,000.00 to $9,999.990.10%0.10%
$10,000.00 and higher0.15%0.15%

Money Market Deposit Accounts

Minimum opening balance $50.00.

Tier AmountInterest RateAPY
$0 to $9,999.990.03%0.03%
$10,000.00 to $24,999.990.03%0.03%
$25,000.00 to $49,999.990.08%0.08%
$50,000.00 to $499,999.990.13%0.13%
$500,000.00 and higher0.18%0.18%

Certificates of Deposit (CDs) & Fixed Rate IRAs

Substantial Penalty for Early Withdrawal.

TermMinimum Interest RateAPY
90 days$500.000.10%0.10%
6 months$500.000.20%0.20%
12 months$1,000.000.30%0.30%
18 months$1,000.000.40%0.40%
24 months$1,000.000.50%0.50%
30 months $1,000.000.60%0.60%
32 Month* SPECIAL5,000.001.24%1.25%
36 months$1,000.000.70%0.70%
48 month* STEP UP SPECIAL$500.001.00%1.01%
60 months$1,000.001.09%1.10%

Variable Rate Individual Retirement Accounts (IRAs)

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.

MinimumInterest RateAPY
$100.001.10%1.10%