Current Rates
| Certificates of Deposit | ||||
|
Minimum to
Open Account |
Minimum to
Obtain APY* |
Rate
|
APY
|
|
|
30 Day CD
|
$1,000
|
$1,000
|
0.30%
|
0.30%
|
|
60 Day CD
|
$1,000
|
$1,000
|
0.40%
|
0.40%
|
|
90 Day CD
|
$1,000
|
$1,000
|
0.50%
|
0.50%
|
|
180 Day CD
|
$1,000
|
$1,000
|
0.75%
|
0.75%
|
|
1 Year CD
|
$1,000
|
$1,000
|
1.00%
|
1.00%
|
|
1 ½ Year (18 Month) CD
|
$1,000
|
$1,000
|
1.10%
|
1.10%
|
|
2 Year CD
|
$1,000
|
$1,000
|
1.20%
|
1.20%
|
|
2 ½ Year (30 Month) CD
|
$1,000
|
$1,000
|
1.20%
|
1.20%
|
|
3 Year CD
|
$1,000
|
$1,000
|
1.20%
|
1.20%
|
|
4 Year CD
|
$1,000
|
$1,000
|
1.20%
|
1.20%
|
|
5 Year CD
|
$1,000
|
$1,000
|
1.20%
|
1.20%
|
|
*APY = Annual Percentage Yield. Daily Balance (the amount of principal in the account each day) We may impose a penalty if you withdraw any of the principal before the maturity date. Rates effective as of 10/17/2011 Fees could reduce earnings. |
||||
| Individual Retirement Accounts (IRA) | ||||
|
Minimum to
Open Account |
Minimum to
Obtain APY* |
Rate
|
APY
|
|
|
1 Year IRA
|
$1,000
|
$1,000
|
0.75%
|
0.75%
|
|
2 Year IRA
|
$1,000
|
$1,000
|
0.75%
|
0.75%
|
|
3 Year IRA
|
$1,000
|
$1,000
|
0.75%
|
0.75%
|
|
*APY = Annual Percentage Yield. Daily Balance (the amount of principal in the account each day) Rates effective as of 10/17/2011 Fees could reduce earnings. |
||||
| Checking | ||||
|
Minimum to
Open Account |
Minimum to
Obtain APY* |
Rate
|
APY
|
|
|
Interest Checking (NOW)
|
$1,000
|
$0
|
0.15%
|
0.15%
|
|
First Capital Checking
|
$1,000
|
$0
|
0.15%
|
0.15%
|
|
Business NOW
|
$1,000
|
$0
|
0.15%
|
0.15%
|
|
Public Funds Interest Checking
|
$1,000
|
$0
|
0.15%
|
0.15%
|
|
*APY = Annual Percentage Yield. Daily Balance (the amount of principal in the account each day) Rates effective as of 10/17/2011 Fees could reduce earnings. |
||||
| Savings | ||||
|
Minimum to
Open Account |
Minimum to
Obtain APY* |
Rate
|
APY
|
|
|
Regular Savings
|
$100
|
$10
|
0.30%
|
0.30%
|
|
Children's Savings
|
$0
|
$10
|
0.30%
|
0.30%
|
|
Business Savings
|
$100
|
$10
|
0.30%
|
0.30%
|
|
*APY = Annual Percentage Yield. Daily Balance (the amount of principal in the account each day) Rates effective as of 10/17/2011 Fees could reduce earnings. Rates are variable and subject to change at the Bank's discretion. |
||||
| Money Market | |||||
|
Minimum to
Open Account |
Minimum to
Obtain APY* |
Rate
|
APY
|
||
|
Regular Money Market
|
$1,000
|
$0**
|
0.50%
|
0.50%
|
|
|
High Yield Money Market
|
0-9,999
|
$10,000
|
$0**
|
0.50%
|
0.50%
|
|
10,000 - 24,999
|
0.55%
|
0.55%
|
|||
|
25,000 - 49,999
|
0.65%
|
0.65%
|
|||
|
50,000 - 99,999
|
0.75%
|
0.75%
|
|||
|
100,000 and up
|
0.75%
|
0.75%
|
|||
|
Business Money Market
|
$1,000
|
$0**
|
0.50%
|
0.50%
|
|
|
BusinessHigh Yield Money Market
|
0 - 9,999
|
$10,000
|
$0**
|
0.50%
|
0.50%
|
|
10,000 - 24,999
|
0.55%
|
0.55%
|
|||
|
25,000 - 49,999
|
0.65%
|
0.65%
|
|||
|
50,000 - 99,999
|
0.75%
|
0.75%
|
|||
|
100,000 and up
|
0.75%
|
0.75%
|
|||
|
Public Funds Money Market
|
$1,000
|
$0**
|
0.50%
|
0.50%
|
|
|
*APY = Annual Percentage Yield. Daily Balance (the amount of principal in the account each day) **Average Daily Balance Rates effective as of 10/17/2011 Fees could reduce earnings. Rates are variable and subject to change at the Bank's discretion. |
|||||
