 
 |
| Rates accurate as of December
31, 2008 |
|
Account Type |
Interest
Rate |
Annual
Percentage Yield |
Minimum
Balance |
|
 Certificates of Deposit1 |
| 3-Month |
1.75% |
1.76% |
$1,000.00 |
| 6-Month |
2.25% |
2.26% |
$1,000.00 |
| 1-Year |
2.75% |
2.78% |
$1,000.00 |
| 2-Year |
3.00% |
3.03% |
$1,000.00 |
| 3-Year |
3.25% |
3.29% |
$1,000.00 |
| 4-Year |
3.50% |
3.50% |
$1,000.00 |
| 1A substantial penalty may be
charged on early withdrawal of any Certificate of Deposit. |
|
Account Type |
Interest
Rate |
Annual
Percentage Yield |
Minimum
Balance to Open |
|
Savings2 |
1.50% |
1.51% |
$25.00 |
|
Cash
Management (CMA) Tiered Account2 |
$2,500.00 |
| Less Than $2,500.00 |
1.50% |
1.51% |
| $2,500.00 - $24,999.99 |
1.75% |
1.76% |
| $25,000.00 - $49,999.99 |
1.88% |
1.90% |
| $50,000.00 - $99,999.99 |
2.00% |
2.02% |
| $100,000.00 - $199,999.99 |
2.13% |
2.15% |
| Over $200,000.00 |
2.25% |
2.27% |
| |
| NOW Checking2,3 |
1.00% |
1.00% |
$1,500.00 |
| Health Savings NOW Checking2,3 |
2.00% |
2.02% |
$5.00 |
|
IRA's |
| IRA Open Account2 |
3.50 |
3.55 |
$5.00 |
2Rates may change after the account is
opened.
3Fees may reduce stated earnings. |
| Please contact a bank employee for further details. |
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