Time Certificates

*Interest Rates and APYs are effective 04/01/2008.

**TCD Term	Minimum Balance Required	*Interest Rate	*APY
60 Months***	500.00	3.17	3.20
48 Months***	500.00	3.08	3.10
30 Months***	500.00	3.08	3.10
24 Months***	500.00	2.73	2.75
18 Months	500.00	2.48	2.50
12 Months	1,000.00	2.00	2.01
182 Days/6 Months	2,500.00	1.75	1.76
91 Days	2,500.00	1.50	1.51
31 Days	25,000.00	1.25	1.26
31 Days	10,000.00	1.00	1.00
31 Days	2,500.00	1.00	1.00
48 Month Variable IRA	500.00	3.08	3.10

 

***"Loyalty Bonus Rate" is available to customers who have DDA/Savings accounts with a Year to Date average balance of $10,000.00 or more.  This bonus rate adds 0.25% to the stated rate for qualifying customers and is available on certificate terms of 24 months or greater, excluding specials.

 

 

Santa CD

A fun way to save for Christmas is our Santa CD. A minimum opening deposit of $25.00 is required (after 11/15/2007), but then any amount up to a total deposit amount of $2,500.00 may be deposited until 11/14/2008 when the CD will mature.  A Christmas check will then be sent to you for the balance and interest earned at 3.50% APY.  All interest will be forfeited for early withdrawal.

 

**Substantial Penalty for early withdrawal.  *APY (Annual Percentage Yield) assumes interest will remain on deposit until maturity.  Deposit terms are subject to change without notice and some limitations may apply.  Broker deposits are not accepted.  Contact us for further information about applicable fees and terms on deposit accounts.  Interest rates & yields are accurate for the date listed.  Member FDIC.