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Deposit Rates

code word: RPB means Really Personal Banking

Effective Date: April 18, 2008
NOTICE: When printing interest rates from the web site the printed alignment may be different than the viewed alignment

 

Variable Interest Rate Offering
(Rates may change after the accounts are opened.)
Minimum Balance Interest Type to Obtain APY Rate (%)
ANNUAL PERCENTAGE YIELD = APY

 

Consumer Accounts
Interest Checking & Charter Checking

   

($100 minimum to open)

Rate (%)

APY(%)

Less than $1000
$1,000 to $4,999
$5,000 to $9,999
$10,000 to $24,999
$25,000 to $49,999
$50,000 and over

N/A
0.494
0.494
0.494
0.494
0.991

N/A
0.50
0.50
0.50
0.50
1.00


RP Signature

   

($100 minimum to open)

Rate (%)

APY(%)

Less than $1000
$1,000 to $4,999
$5,000 to $9,999
$10,000 to $24,999
$25,000 to $49,999
$50,000 and over

N/A
0.494
1.000
1.484
1.484
1.484

N/A
0.50
1.01
1.50
1.50
1.50


Senior Checking

   

($100 minimum to open)

Rate (%)

APY(%)

Less than $1000
$1,000 and over

N/A
0.494

N/A
0.50


Personal Money Market Checking

   

($1000 minimum to open)

Rate (%)

APY(%)

$0 to $4,999
$5,000 to $9,999
$10,000 to $49,999
$50,000 to $99,999
$100,000 to $499,999
over $500,000

0.743
0.743
1.732
2.562
2.809
2.809

0.75
0.75
1.75
2.60
2.85
2.85


Personal Savings

   

($100 minimum to open)

Rate (%)

APY(%)

1.732

1.75

 

Prime Savings Account

    

($5,000.00 minimum to open)

Rate (%)

APY(%)

$-0- to $9999.99

0.000

0.00

$10,000 to $24,999.99

1.585

1.60

$25,000 to $49,999.99

2.077

2.10

$50,000 and Over

2.660

2.70

 

Business Accounts

Business Checking - Earnings Credit Rate

    

Positve Balance

 

1.80%


Business Interest Checking

 

 

($100 minimum to open)
(including Iota, Non Profit Corporations)

Rate (%)

APY(%)

$ 0 to $999
$ 1,000 to $4,999
$ 5,000 to $9,999
$ 10,000 and over

 

N/A
0.494
0.494
1.000

N/A
0.50
0.50
1.01


Commercial Money Market Checking

    

($1000 minimum to open)

Rate (%)

APY(%)

$ 0 to $4,999
$ 5,000 to $ 9,999
$ 10,000 to $ 49,999
$ 50,000 to $ 99,999
$ 100,000 to $ 499,999
$ 500,000 and over

 

0.494
1.250
1.730
1.730
1.730
1.730

0.50
1.26
1.75
1.75
1.75
1.75

Fixed Rate Offerings

CERTIFICATES OF DEPOSIT AND IRA CERTIFICATES

   

MINIMUM TO OPEN $500.00

    

Term

Rate (%)

APY(%)

7 TO 89 Days
90 TO 179 Days
180 TO 364 Days
12 through 17 Months
18 through 23 Months
24 through 35 Months
36 through 47 Months
48 through 59 Months
60 Months

1.238
1.976
2.720
2.585
2.585
2.960
3.450
3.450
3.450

1.75
2.00
2.75
2.60
2.60
3.00
3.50
3.50
3.50

$100,000 and over

Term

Rate (%)

APY(%)

7 TO 89 Days
90 TO 179 Days
180 TO 364 Days
12 through 17 Months
18 through 23 Months
24 through 35 Months
36 through 47 Months
48 through 59 Months
60 Months

1.238
1.976
2.720
2.585
2.585
2.960
3.450
3.450
3.450

1.75
2.00
2.75
2.60
2.60
3.00
3.50
3.50
3.50

NOTE: There is a substantial penalty for the early withdrawal of a CD.

 

All Interest Rates and Annual Percentage Yields are accurate as of 4/18/2008 and are subject to change at any time. The disclosed Annual Percentage Yield assumes that interest will remain on deposit until maturity. Fees or withdrawals of interest will reduce earnings. For current information,call (239)593-5522.

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