Rates

Rates effective as of May 1st, 2012.

CD SPECIAL

TermMinimum Interest RateAPY*
36 Month Special$1,000.001.10%1.114%

Must open or have an existing checking account. For existing CD customers, must have $5,000 in new money. No additional FNB bump-ups. ($100,000.00 individual cap).

Checking Accounts

Kasasa Cash

Tier AmountInterest RateAPY*
$0 to $10,0002.47%2.50%
$10,000 and higher0.40%0.40%
Entire balance if qualifications are not met0.05%0.05%

GoldStar Checking

Minimum opening balance $50.00.

Tier AmountInterest RateAPY*
$0 to $2,499.990.00%0.00%
$2,500.00 to $9,999.990.05%0.05%
$10,000.00 to $24,999.990.05%0.05%
$25,000.00 to $49,999.990.10%0.10%
$50,000.00 to $99,999.990.20%0.20%
$100,000.00 and higher0.30%0.30%

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 higher0.060.06%

Savings Accounts

Kasasa Saver

Tier AmountInterest RateAPY*
$0 to $5,0001.24%1.25%
$5,000 and higher0.40%0.40%
Entire balance if qualifications are not met0.05%0.05%


Regular, Student, and Moola Moola Club Savings minimum opening balance is $25.00.

Account TypeInterest RateAPY*
Regular Savings0.05% 0.05%
Student Savings0.10%0.10%
Moola Moola Club0.10%0.10%
Christmas Club0.05%0.05%
Vacation Club0.05%0.05%

Health Savings Accounts

Minimum opening balance $25.00.

Tier AmountInterest RateAPY*
$0 to $999.990.15%0.15%
$1,000.00 to $4,999.990.15%0.15%
$5,000.00 to $9,999.990.20%0.20%
$10,000.00 and higher0.25%0.25%

Money Market Deposit Accounts

Minimum opening balance $50.00.

Tier AmountInterest RateAPY*
$0 to $9,999.990.06%0.06%
$10,000.00 to $24,999.990.11%0.11%
$25,000.00 to $49,999.990.15%0.15%
$50,000.00 to $499,999.990.25%0.25%
$500,000.00 and higher0.35%0.35%

Certificates of Deposit (CDs) & Fixed Rate IRAs

Substantial Penalty for Early Withdrawal.

TermMinimum Interest RateAPY*
90 days$500.000.11%0.11%
6 months$500.000.17%0.17%
12 months$1,000.000.32%0.32%
18 months$1,000.000.39%0.39%
24 months$1,000.000.51%0.51%
30 months $1,000.000.59%0.59%
36 months$1,000.000.77%0.77%
48 months$1,000.001.06%1.07%
60 months$1,000.001.31%1.32%

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*
$100.001.31%1.32%

* APY = Annual Percentage Rate