Deposit Rates
PLEASE NOTE:
- Golden Rewards and Carefree Super NOW customers will receive a rate increase of 0.25% when opening any Certificates of Deposit, Except Promotional Products. Golden Rewards customers must be age 50 or older, have at least a balance of $1,000.00 in the Golden Rewards account or a balance of at least $2,500.00 in their savings to qualify; Carefree Gold Super NOW accounts must have at least a balance of $2,500.00 to qualify.
- Rates for Jumbo Certificates of Deposit are quoted individually.
- Account tiers may change after opening account.
| Account Product |
Minimum Opening Deposit |
Interest Rate |
Annual Percentage Yield |
| 91 DAY Certificate of Deposits* |
$1,000.00 |
0.15% |
0.15% |
| 6 MONTH Certificate of Deposits* |
$1,000.00 |
0.25% |
0.25% |
| 9 MONTH Certificate of Deposit* |
$1,000.00 |
0.35% |
0.35% |
| 1 YEAR Certificate of Deposit* |
$1,000.00 |
.50% |
.50% |
2 YEAR - ONE WAY*
First 6 months
Next 6 months
Next 6 months
Thereafter |
$5,000.00
|
.25%
.50%
.75%
1.00% |
.63%
(composite) |
| 2 YEAR SAVER C.D.* |
$1,000.00 |
.75% |
.75% |
| 3 YEAR Certificate of Deposit* |
$1,000.00 |
1.00% |
1.00% |
| 4 YEAR Certificate of Deposit* |
$1,000.00 |
1.15% |
1.15% |
| 5 YEAR Certificate of Deposit* |
$1,000.00 |
1.25% |
1.26% |
| REGULAR SAVINGS** |
$1.00 |
0.10% |
0.10% |
| CHRISTMAS CLUB* |
$1.00 |
.50% |
.50% |
MONEY MARKET SAVINGS**
Daily Balances of:
up to $999.99
$1,000.00 - 9,999.99
$10,000.00 and up |
$1,000.00 |
0.10%
0.15%
0.20% |
0.10%
0.15%
0.20% |
| COMMERCIAL REGULAR SAVINGS** |
$1.00 |
0.10% |
0.10% |
COMMERCIAL MONEY MARKET SAVINGS**Daily Balances of:
up to $999.99
$1,000.00 - 9,999.99
$10,000.00 and up |
$1,000.00 |
0.10%
0.15%
0.20% |
0.10%
0.15%
0.20% |
HSA SAVINGS**
Daily Balances of:
$500.00 - $2,499.99
$2,500.00 - 9,999.99
$10,000.00 - 24,999.99
$25,000.00 and up |
$100.00 |
0.25%
0.50%
0.75%
1.00% |
0.25%
0.50%
0.75%
1.01% |
| GOLDEN REWARDS NOW** |
$1.00 |
0.15% |
0.15% |
| CAREFREE NOW** |
$1.00 |
0.10% |
0.10% |
| COMMERCIAL NOW** |
$1.00 |
0.10% |
0.10% |
CAREFREE GOLD (Super NOW)**
Daily Balances of:
up to $2,500.00
$2,500.01 - 10,000.00
$10,000.01 - 25,000.00
$25,000.01 - 50,000.00
$50,000.01 and up |
$2,500.00 |
0.10%
0.15%
0.20%
0.30%
0.40% |
0.10%
0.15%
0.20%
0.30%
0.40% |
HSA CHECKING**
Daily Balances of:
$500.00 - $2,499.99
$2,500.00 - 9,999.99
$10,000.00 - 24,999.99
$25,000.00 and up |
$100.00 |
0.25%
0.50%
0.75%
1.00% |
0.25%
0.50%
0.75%
1.00% |
* A penalty may be imposed for early withdrawal.
** Interest rate and annual percentage yield may change after account opening.
Fees could reduce the earnings on the account.
Interest Rates and Annual Percentage Yields are current as of 05/15/2013.
For current rate information, please call (906) 786-0221
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