| CD and IRA* Interest Rates | |||
|
Term
|
Interest Rate (%)
|
APY* (%)
|
APY* (%) on Bonus
|
|
7-31 days
|
.10
|
.10
|
.35
|
|
3 month
|
.25
|
.25
|
.50
|
|
6 month
|
.35
|
.35
|
.60
|
|
7 month
|
1.84
|
1.85
|
2.10
|
|
1 year
|
.50
|
.50
|
.75
|
|
13 month
|
1.84
|
1.85
|
2.11
|
|
18 month
|
.75
|
.75
|
no bonus
|
|
2 year
|
.75
|
.75
|
no bonus
|
|
3 year
|
.75
|
.75
|
no bonus
|
|
23 month
|
1.84
|
1.85
|
no bonus
|
|
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 0.25% given on deposits of $50,000 and over. 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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