Rates

Quality Checking Regular Savings AccountsHoliday Cash AccountsMoney Market Savings Accounts
Educational Savings (UTMA) Certificates of Deposit IRA Savings IRA Certificates of Deposit



Quality Checking

Balance
Rate
Annual % Yield**
$0 - $9,999
.25%
.25%
$10,000 - $49,999
.50%
.50%
$50,000 and above
.50%
.50%



Interest is compounded and credited monthly. Interest checking is a variable rate account and the rate may change at any time. *A $500.00 opening deposit is required. A $10.00 monthly maintenance fee, plus 15¢ per debit is assessed if average daily balance for the statement period falls below $500.00.

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Regular Savings Accounts


Rate
Annual % Yield**

.75%
.75



Interest is compounded and credited quarterly. All savings accounts are variable rate and rate may change at any time. *A $50.00 opening deposit is required. ** 50¢ per teller or telephone withdrawal over 6 in a month** (no fee for telebank transfers). A $1.00 monthly maintenance fee is assessed if the average daily balance for the month falls below $50.00.(Waived for customers under 18 years).

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Holiday Cash Accounts


Rate
Annual % Yield**

.75%
.75%



Interest is compounded and credited quarterly. All savings accounts are variable rate and rate may change at any time. No minimum opening deposit is required. No minimum balance required to avoid a service charge. Must have automatic transfer deposit. No withdrawals are allowed. Balances will be disbursed annually in November.

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Money Market Savings Account

Balance
Rate
Annual % Yield
$2,500 - $9,999
1.0000%
1.00%
$10,000 - $24,999
1.0000%
1.00%
$25,000 - $49,999
1.0000%
1.00%
$50,000 - $99,999
1.0000%
1.00%
$100,000 - $999,999

1.1000%

1.10%
1,000,000 and Above
1.2000%
1.21%



Interest is compounded and credited quarterly. All savings accounts are variable rate and rate may change at any time. * A daily balance of $2,500 must be maintained to earn interest and to avoid a $5.00 monthly maintenance fee .

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Educational Savings (UTMA)


Rate
Annual % Yield**

4.00%
4.04%



Interest is compounded and credited quarterly. All savings accounts are variable rate and rate may change at any time. *25.00 minimum opening deposit. $5.00 withdrawal fee. $25.00 closing fee prior to age 18.

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Certificates of Deposit

Term
RateAnnual % Yield*
*9 Month Special
Over $5,000
3.00%
3.02%
*18 Month Special
Over $10,000
3.05%
3.07%
*36 Month Special
Over $5,000
variable to prime
2.50%
2.52%
*54 Month Special
Over $5,000
4.00%
4.04%
6 Month
$2,500-$10,000 ($2,500 Minimum)
2.50% Interest is Credited at Maturity
2.52%

Over $10,000
2.80% Interest is Credited at Maturity
2.82%
1 Year
$1,000-$10,000
2.70%
2.72%

Over $10,000
3.00%
3.02%
2 Year
$1,000-$10,000
2.70%
2.72%

Over $10,000
3.00%
3.02%
3 Year
$1,000-$10,000
3.25%
3.28%

Over $10,000
3.50%
3.53%
4 Year
$1,000-$10,000
3.35%
3.38%

Over $10,000
3.60%
3.63%
5 Year
$1,000-$10,000
3.55%
3.58%

Over $10,000
3.80%
3.84%
6 Year
$1,000-$10,000
3.90%
3.94%

Over $10,000
4.15%
4.19%
5 Year IRA
$1,000 & Over
3.80%
3.84%
6 Year IRA
$1,000 & Over
3.80%
3.84%
3 Year IRA
$2,000 & Over
2.75%
2.77%




Interest is compounded and credited semi-annually and at maturity. *Penalty for early withdrawal: Certificates with terms of 1 year or less: the equivalent of 90 days' interest, Certificates with terms over 1 year: the equivalent of 180 days' interest. **Service fees may reduce earning.


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IRA Savings

BalanceRateAnnual % Yield*
$0-$2,500
1.0000%
1.00%
$2,501-$9,999
1.0000%
1.00%
$10,000-$24,999
1.0000%
1.00%
$25,000-$49,999
1.0000%
1.00%
$50,000-$99,999
1.0000%
1.00%
$100,000-$999,999
1.1000%
1.10%
$1,000,000 & Above
1.2000%
1.21%



Interest is compounded and credited quarterly. All savings accounts are variable rate and rate may change at any time. *$25.00 minimum transfer may be imposed.


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IRA Certificates of Deposit

Term

RateAnnual % Yield*
5 Year IRA
$1,000 & over
3.80%
3.84%
6 Year IRA
$1,000 & over
3.80%
3.84%
3 Year IRA
$2,000 minimum
variable to prime
2.50%
2.52%




Interest is compounded and credited semi-annually and at maturity. *Penalty for early withdrawal: Certificates with terms of 1 year or less: the equivalent of 90 days' interest, Certificates with terms over 1 year: the equivalent of 180 days' interest. **Service fees may reduce earning.

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