Home Contact Us
Business Banking Personal Banking Locations ATM Security Rates About Us
Rates
Rates

Interest Rates and APY Current as of March 26th, 2014

 

Minimum Deposit

Interest Rate

Annual Percentage Yield

NOW Account

$1,000.00

 

 

.01 - 999.99

 

.025%

.025%

1,000.00 - 9,999.99

 

.05%

.05%

10,000.00 - 49,999.99

 

.05%

.05%

50,000.00 and Greater

 

.05%

.05%

Regatta Checking

$5,000.00

 

 

.01 - 4,999.99

 

.025%

.025%

5,000.00 and Greater

 

.35%

.35%

Preferred Senior Checking

$2,500.00

 

 

.01 - 2,499.99

 

.025%

.025%

2,500.00 and Greater

 

.35%

.35%

Admiral Business Checking

$5,000.00

 

 

.01 - 4,999.99

 

.025%

.025%

5,000.00 - 99,999.99

 

.05%

.05%

100,000.00 and Greater

 

.25%

.25%

Non-Profit Business Checking

$500.00

 

 

.01 - 4,999.99

 

.025%

.025%

5,000.00 - 99,999.99

 

.15%

.15%

100,000.00 and Greater

 

.25%

.25%

Money Market Account

$1,000.00

 

 

.01 - 999.99

 

.05%

.05%

1,000.00 - 9,999.99

 

.10%

.10%

10,000.00 - 49,999.99

 

.20%

.20%

50,000.00 - 99,9999.99

 

.25%

.25%

100,000.00 - 499,999.99

 

.45%

.45%

500,000.00 - 999,999.99

 

.45%

.45%

1,000,000 and Greater

 

.45%

.45%

HSA Account

$100.00

 

 

1.00 and Greater

 

.05%

.05%

Savings Account

$50.00

 

 

.01 - 49.99

 

.025%

.025%

50.00 and Greater

 

.05%

.05%

Certificates of Deposit

$500.00

 

 

3 Month

 

.10%

.10%

6 Month

 

.20%

.20%

12 Month

 

.45%

.45%

18 Month

 

.60%

.60%

24 Month

 

.70%

.70%

36 Month

 

.75%

.75%

48 Month

 

.80%

.80%

60 Month

 

1.00%

1.00%

IRA Certificates of Deposit

$500.00

 

 

3 Month

 

.10%

.10%

6 Month

 

.20%

.20%

12 Month

 

.45%

.45%

18 Month

 

.60%

.60%

24 Month

 

.70%

.70%

36 Month

 

.75%

.75%

48 Month

 

.80%

.80%

60 Month

 

1.00%

1.00%

Rate may change on NOW, Money Market, Savings and HSA accounts after account opening.

There is a penalty for early withdrawal.

For current rate information, please contact your banker.

Fees could reduce the earnings on the account.

Member FDIC




CERTIFICATE OF DEPOSIT DISCLOSURE

Automatically renewable Certificates of Deposit with terms of 3 months to 5 years.

Rate and Annual Percentage Yield Information: Certificates of Deposit are interest-bearing accounts. The current interest rate and annual percentage yield are included on this rate sheet. The interest rate and annual percentage yield will not change for term of your Certificate of Deposit. Interest begins to accrue on the business day you deposit noncash items (for example, checks). The annual percentage yield assumes interest compounds annually and will remain on deposit until maturity. A withdrawal from this account will reduce earnings on the account. You may not make withdrawals or additional deposits to your Certificate of Deposit until maturity.

Interest Compounding Frequency and Crediting Information: 3 Month to 12 Month Certificates: Interest is credited to account at maturity. Certificates of Deposit with maturities of greater than one year: Interest is compounded and credited to account annually.

Balance Information: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Opening Balance Requirement: You must deposit $500.00 to open a Certificate of Deposit.

Minimum Balance Requirement: The minimum balance to obtain the stated APY is the same as the opening balance requirement.

Early Withdrawal Penalties: 3 Month and 6 Month Certificates of Deposit: If you withdraw any of the principal balance before the maturity date, we may impose a penalty of 91 days interest on the principal amount withdrawn. You will have 10 calendar days after the maturity date to withdraw funds without a penalty. Certificates of Deposit with maturities of one year to 5 years: If you withdraw any of the principal balance before the maturity date, we may impose a penalty of 182 days interest on the principal amount withdrawn. You will have 10 calendar days after the maturity date to withdraw funds without a penalty. If you close your Certificate of Deposit before interest is credited to your account, you will receive the accrued interest.


CHECKING AND SAVINGS ACCOUNT INFORMATION

Interest rates and annual percentage yield may change after opening. Transfers from a savings account to another account or to third parties by pre-authorized, automatic, internet banking, check, debit card, draft, telephone transfer, or similar order are limited by Federal regulations to six per month. At our discretion we may change the interest rate on accounts. We may change the rate at any time. Interest begins to accrue no later than the business day that we receive credit for the deposit of non-cash items (for example, checks). Fees could reduce the earnings on the accounts. For current rate information, please contact a banker.