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Rates Effective as of
July 1, 2008
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Certificates of Deposit
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Account Product Name
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Minimum Opening Deposit
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Minimum Balance to Obtain APY
|
Interest Rate
|
APY*
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91 Day CD (a)
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$2,500.00
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$2,500 (c)
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2.38%
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2.40%
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182 Day CD (a)
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$2,500.00
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$2,500 (c)
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2.73%
|
2.75%
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1 Year No Penalty Certificate
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$500.00
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$500.00 (c)
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2.28%
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2.30%
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1 Year CD (a)
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$500.00
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$500.00 (c)
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3.21%
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3.25%
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15 Month CD (a)
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$500.00
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$500.00 (c)
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3.21%
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3.25%
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18 Month CD (a)
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$500.00
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$500.00 (c)
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3.21%
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3.25%
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18 Month 1st Choice Club Premium CD (a)
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$500.00
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$500.00 (c)
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3.26%
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3.30%
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2 Year CD (a)
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$500.00
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$500.00 (c)
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3.31%
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3.35%
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2 1/2 Year CD (a)
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$500.00
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$500.00 (c)
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3.46%
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3.50%
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4 Year CD (a)
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$500.00
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$500.00 (c)
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4.19%
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4.25%
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5 Year CD (a)
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$500.00
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$500.00 (c)
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4.67%
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4.75%
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*Annual Percentage Yield
(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.
Note: Fees could reduce the earnings on the account.
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Deposit Accounts
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|
Account Product Name
|
Minimum Opening Deposit
|
Interest Rate
|
APY*
|
|
Statement Savings (b)
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$100.00
|
.50%
|
.50%
|
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Interest Checking - Personal (b)
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$500.00
|
.40%
|
.40%
|
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Ka-Ching! Checking (a) (b) (c) (d)
|
$100.00
|
|
|
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Portion of Your Daily Balance:
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up to $50,000.00
|
4.90%
|
5.01%
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|
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$50,000.01 and up
|
.99%
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5.01% to 1.01%
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1st Choice Club Checking (b)
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$1,000.00
|
.40%
|
.40%
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Money Market Checking - Personal (b)
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$2,500.00
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|
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Daily Balances of:
|
up to $9,999.99
|
.60%
|
.60%
|
|
|
$10,000.00 - 24,999.99
|
1.35%
|
1.36%
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|
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$25,000.00 - 49,999.99
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1.45%
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1.46%
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|
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$50,000.00 - 99,999.00
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1.55%
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1.56%
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$100,000.00 and up
|
1.70%
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1.71%
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|
First Index (b)
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|
|
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Daily Balances of:
|
$1,000.00
|
$9,999.99
|
0.50%
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|
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$10,000.00 - 24,999.99
|
1.01%
|
1.01%
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|
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$25,000.00 - 49,999.99
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1.38%
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1.39%
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|
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$50,000.00 and up
|
1.76%
|
1.77%
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*Annual Percentage Yield
(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.
(d) 0.10% APY on non-qualifying balances if you do not meet all the requirements.
Note: Fees could reduce the earnings on the account.
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Individual Retirement Accounts
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Account Product Name
|
Minimum Opening Deposit
|
Interest Rate
|
APY*
|
|
IRA 12 Month Variable (a,b)
|
$100.00
|
2.72%
|
2.75%
|
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IRA 18 Month Variable (a,b)
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$100.00
|
3.21%
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3.25%
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IRA 1 Year Fixed (a)
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$100.00
|
3.21%
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3.25%
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IRA 2 Year Fixed (a)
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$100.00
|
3.26%
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3.30%
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IRA 3 Year Fixed (a)
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$100.00
|
3.94%
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4.00%
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IRA 4 Year Fixed (a)
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$100.00
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4.19%
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4.25%
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IRA 5 Year Fixed (a)
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$100.00
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4.67%
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4.75%
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Roth IRA 18 Month Variable (a,b)
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$100.00
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3.21%
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3.25%
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Educational IRA 18 Month Variable (a,b)
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$100.00
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3.21%
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3.25%
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Money Market IRA (b)
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$100.00
|
|
|
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Daily Balances of:
|
up to $9,999.99
|
0.60%
|
0.60%
|
|
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$10,000.00 - 24,999.99
|
1.35%
|
1.36%
|
|
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$25,000.00 - 49,999.99
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1.45%
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1.46%
|
|
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$50,000.00 - 99,999.99
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1.55%
|
1.56%
|
|
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$100,000.00 and up
|
1.70%
|
1.71%
|
*Annual Percentage Yield
(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.
Note: Fees could reduce the earnings on the account.
|
|
Business Deposit Accounts
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Account Product Name
|
Minimum Opening Deposit
|
Interest Rate
|
APY*
|
|
Money Market Checking-Business(b)
|
$2500.00
|
|
|
|
Daily Balances of:
|
up to $49,999.99
|
2.50%
|
2.53%
|
|
|
$50,000.00 and up
|
3.00%
|
3.04%
|
*Annual Percentage Yield
(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.
Note: Fees could reduce the earnings on the account
|
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