as of October 10, 2008
This Rate Chart contains information about Interest rates and annual percentage yields for some of the accounts we offer.

Account Product Name

Minimum Opening Deposit

Minimum Balance to Obtain Annual Percentage Yield

Interest Rate

Annual Percentage Yield

Preferred Checking        
  Average Balances of:    
 

Up to $999.99

0.05%

0.05%

 

$1,000.00 - $5,000.00

0.10%

0.10%

 

$5,000.01 and up

0.25%

0.25%

Premium Checking        
  Average Balances of:    
 

Up to $999.99

0.40%

0.40%

 

$1,000.00 - $5,000.00

0.45%

0.45%

 

$5,000.01 and up

0.60%

0.60%

Tiered Money Market Account b

$1,500.00

$1,500.00

   
 

Daily Balances of:

   
 

$1,500 - $24,999.99

2.67%

2.70%

 

$25,000.00 - 49,999.99

2.76%

2.80%

 

$50,000.00 - 99,999.99

2.96%

3.00%

 

$100,000.00 - 249,999.99

2.96%

3.00%

  $250,000.00 - and up
3.15%
3.20%

Prime Advantage NOW Account b

$100.00

$.01

   
 

Average Balances of:

   
 

Up to $999.99

0.10%

0.10%

 

$1,000 - $9,999.99

0.30%

0.30%

 

$10,000.00 - 49,999.99

0.55%

0.55%

 

$50,000.00 - 99,999.99

0.85%

0.85%

 

$100,000.00 - 249,999.99

1.15%

1.16%

  $250,000.00 - and up
1.44%
1.45%

NOW Account b

$1,000.00

$1,000.00  c

0.70%

0.70%

Freedom NOW b

$100.00

$1,000.00  c

0.70%

0.70%

Regular Savings b

$100.00

$300.00  c

0.70%

0.70%

Youth Savings - Ages 18 years or Younger b

 

$50.00  c

0.70%

0.70%

Business Savings b

$100.00

$300.00  c

0.70%

0.70%

Christmas Club b

$5.00

$50.00  c

0.70%

0.70%

90 Days CD a

$1,000.00

$1,000.00  c

2.28%

2.30%

180 Days CD a

$1,000.00

$1,000.00  c

2.96%

3.00%

1 Year CD a

$1,000.00

$1,000.00  c

3.45%

3.51%

18 Months CD a

$1,000.00

$1,000.00  c

3.45%

3.50%

2 Year CD a

$1,000.00

$1,000.00  c

3.45%

3.51%

30 Months CD a

$1,000.00

$1,000.00  c

3.54%

3.60%

3 Year CD a

$1,000.00

$1,000.00  c

3.54%

3.60%

42 Months CD a

$1,000.00

$1,000.00  c

3.54%

3.60%

4 Year CD a

$1,000.00

$1,000.00  c

3.54%

3.60%

5 Year CD a

$1,000.00

$1,000.00  c

3.54%

3.60%

18 Month Variable Rate IRA a, b

$200.00

$200.00  c

3.34%

3.49%

a) A penalty will be imposed for early withdrawal.
b) The interest rate and annual percentage yield may change after account opening.
c) Daily balance. The amount of the principal in the account each day. 

Fees could reduce the earnings on the account.