Rates

Rates effective as of December 30, 2008.

Checking Accounts

Account TypeMinimum Opening DepositMinimum Balance Required to Obtain APYRateAnnual Percentage Yield
HyperInterest Checking$49Balances up to $50,0004.905.01
-Balances over $50,0002.082.10
HyperInterest Checking
(non-qualify)
$490.24.25
Totally Free Checking$49000
Consumer Interest Checking$4901.241.25
-$50001.491.50
-$25,0001.741.75
-$50,0001.982.00
-$100,0002.232.25
Consumer Money Market/Money Market IRA$4901.491.50
-$5,0001.741.75
-$25,0002.232.25
-$50,0002.472.50
-$100,0002.722.75
Business Checking$49000
Business Interest Checking$4901.241.25
-$5,0001.491.50
-$25,0001.741.75
-$50,0001.982.00
-$100,0002.232.25
Business Money Market$4900.240.25
-$5,0001.241.25
-$25,0001.741.75
-$50,0001.982.00
-$100,0002.232.25
IOLTA$49$5001.982.00

1 Consumer Interest Checking: minimum average daily balance of $499 avoids the $5 monthly service charge.
2 Consumer Money Market Account: minimum average daily balance of $999 avoids the $5 monthly service charge.
3 Business Interest Checking: minimum average daily balance of $999 avoids the $5 monthly service charge.
4 Business Money Market Account: minimum average daily balance of $999 avoids the $5 monthly service charge.

Savings Accounts

Account TypeMinimum Opening DepositMinimum Balance Required to Obtain APYRateAnnual Percentage Yield
Statement Savings$4901.241.25
-$5,0001.241.25
-$25,0001.241.25
-$50,0001.241.25
-$100,0001.241.25
Holiday or Vacation Club$4901.001.00

Certificates of Deposit / CD IRA's

Account TypeMinimum Opening DepositMinimum Balance Required to Obtain APYRateAnnual Percentage Yield
30 day CD$399$3991.982.00
3 Month CD$399$3992.232.25
6 Month CD$399$3992.472.50
9 Month CD$399$3992.572.60
12 Month CD$399$3992.722.75
18 Month CD$399$3992.963.00
24 Month CD$399$3993.203.25
36 Month CD$399$3993.443.50
48 Month CD$399$3993.443.50
60 Month CD$399$3993.443.50