Interest is compounded and credited monthly. Interest checking is a variable rate account and the rate may change after the account is opened. *A $1000.00 opening deposit is required. A $7.00 monthly maintenance fee, plus 25¢ per paper item fee will be assessed if average daily balance for the statement period falls below $1000.00. Other restrictions apply. Please see your nearest personal banker for more information. *Fees could reduce earnings.
Quality Checking
Balance
Interest Rate
Annual Percentage Yield**
$0.00 - $9,999.99
.10%
.10%
$10,000.00 - $49,999.99
.20%
.20%
$50,000.00 and above
.30%
.30
Interest is compounded and credited monthly. Interest checking is a variable rate account and the rate may change after the account is opened. *A $500.00 opening deposit is required. A $10.00 monthly maintenance fee, plus 15¢ per per paper withdrawal is assessed if average daily balance for the statement period falls below $500.00. *Fees could reduce earnings.
Regular Savings Accounts
Interest Rate
Annual Percentage Yield**
.30%
.30
Interest is compounded and credited quarterly. All savings accounts are variable rate and rate may change after the account is opened. *A $50.00 opening deposit is required. ** 50¢ per teller or telephone withdrawal over 6 in a month** (no fee for telebank transfers or Internet). 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). *Fees could reduce earnings.
Money Market Savings Account
Balance
Interest Rate
Annual Percentage Yield
$2,500.00 - $9,999.99
.15%
.15%
$10,000.00 - $24,999.99
.15%
.15%
$25,000.00 - $49,999.99
.40%
.40%
$50,000.00 - $99,999.99
.40%
.40%
$100,000.00 - $999,999.99
.40%
.40%
1,000,000.00 and Above
.50%
.50%
Interest is compounded and credited quarterly. All savings accounts are variable rate and rate may change after the account is opened. * An average daily balance of $2,500 must be maintained to earn interest and to avoid a $5.00 monthly maintenance fee . *Fees could reduce earnings.
Educational Savings (UTMA)
Interest Rate
Annual Percentage Yield**
1.25%
1.26%
Interest is compounded and credited quarterly. All savings accounts are variable rate and rate may change after the account is opened. *25.00 minimum opening deposit. $5.00 withdrawal fee. $25.00 closing fee prior to age 18. *Fees could reduce earnings.
Certificates of Deposit
Term
Interest Rate
Annual Percentage Yield*
6 Month
$2,500.00-$9,999.99 ($2,500.00 Minimum)
.20% Interest is Credited at Maturity
.20%
$10,000.00 and above
.40% Interest is Credited at Maturity
.40%
1 Year
$1,000.00-$9,999.99
.30%
.30%
$10,000.00 and above
.55%
.55%
2 Year
$1,000.00-$9,999.99
.50%
.50%
$10,000.00 and above
.75%
.75%
3 Year
$1,000.00-$9,999.99
.75%
.75%
$10,000.00 and above
1.00%
1.00%
4 Year
$1,000.00-$9,999.99
1.05%
1.05%
$10,000.00 and above
1.30%
1.30%
5 Year
$1,000.00-$9,999.99
1.34%
1.35%
$10,000.00 and above
1.59%
1.60%
Interest is compounded and credited semi-annually and at maturity. *Penalty for early withdrawal may be imposed: 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. *Fees could reduce earnings..
IRA Savings
Balance
Interest Rate
Annual Percentage Yield*
$0.00-$2,500.00
.30%
.30%
$2,500.01-$9,999.99
.30%
.30%
$10,000.00-$24,999.99
.30%
.30%
$25,000.00-$49,999.99
.35%
.35%
$50,000.00-$99,999.99
.35%
.35%
$100,000.00-$999,999.99
.35%
.35%
$1,000,000.00 & Above
.60%
.60%
Interest is compounded and credited quarterly. All savings accounts are variable rate and rate may change after the account is opened. *$25.00 minimum transfer may be imposed. *Fees could reduce earnings.
IRA Certificates of Deposit
Term
Interest Rate
Annual Percentage Yield*
5 Year IRA
$1,000 & over
1.19%
1.19%
3 Year IRA
$2,000 minimum
variable to prime
.75%
.75%
Interest is compounded and credited semi-annually and at maturity. *Penalty for early withdrawal may be imposed: 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. *Fees could reduce earnings.
