| CD and IRA* Interest Rates | |||
|
Term
|
Interest Rate (%)
|
APY* (%)
|
APY* (%) on Bonus
|
|
7-31 days
|
.10
|
.10
|
.20
|
|
3 month
|
.25
|
.25
|
.35
|
|
6 month
|
.35
|
.35
|
.45
|
|
7 month
|
.40
|
.40
|
.50
|
|
1 year
|
.50
|
.50
|
.60
|
|
13 month
|
.65
|
.65
|
.75
|
|
18 month
|
.75
|
.75
|
no bonus
|
|
2 year
|
.75
|
.75
|
no bonus
|
|
3 year
|
.75
|
.75
|
no bonus
|
|
23 month
|
.85
|
.85
|
.95
|
|
5 year
|
.75
|
.75
|
no bonus
|
|
* IRA minimum deposit is $250. IRAs can be written for 3 month through 5 year terms. Substantial penalty fee for early withdrawal. 1 APY denotes Annual Percentage Yield. 2 A bonus of 0.10% given on deposits of $50,000 and over. Bonuses are also given based on the average collected balance maintained in checking and savings accounts. Rates are subject to change on Tuesday of each week. Fees could reduce the APY. |
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| Checking and Savings Interest Rates | |||
|
Account
|
Interest Rate (%)
|
APY* (%)
|
Minimum balance to receive
|
|
Regular Savings
|
0.05
|
0.05
|
$25
|
|
NOW Account
|
0.05
|
0.05
|
$1,000
|
|
Top 50 Checking
|
0.05
|
0.05
|
$1,000
|
|
High Yield
|
0.05
|
0.05
|
$2,500
|
|
21st Century Money Market
|
0.50
|
0.50
|
$5,000
|
|
21st Century Unlimited Checking
|
0.25
|
0.25
|
$5,000
|
|
Christmas Club
|
0.05
|
0.05
|
none
|
|
1 APY denotes Annual Percentage Yield. Rates are subject to change on Tuesday of each week. Fees could reduce the APY. |
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