Savings Accounts |
| Instrument | APY | Interest Rate | Compounded | Minimum Balance |
|
Regular Passbook
|
.10%
|
.10%
|
Quarterly
|
$50.00 daily balance to avoid $1.00 per quarter fee
|
|
Golden Passbook
|
.10%
|
.10%
|
Quarterly
|
$100.00 daily balance to avoid $1.00 per quarter fee
|
|
Statement Savings
|
.10%
|
.10%
|
Monthly
|
$100.00 daily balance to avoid $1.00 monthly fee
|
All interest rates and Annual Percentage Yields (APYs) are accurate as indicated above and are subject to change any time without prior notice. A penalty will be imposed for early withdrawal. Fees may reduce earnings. The Annual Percentage Yield (APY) assumes principal and interest will remain on deposit until maturity.
(1) IRA Accounts are not subject to the minimum balance requirements.
NOW/ Health Savings/Money Market |
| Instrument | APY | Interest Rate | Compounded | Minimum Balance |
|
NOW Account (1)
|
.05%
|
.05%
|
Monthly
|
$500.00
|
|
Health Savings Account*
|
1.00%
|
1.00%
|
Monthly
|
$0.01
|
|
Money Market (MMDA) (2)
|
.10%
|
.10%
|
Monthly
|
$2,500.00
|
|
High Yield Money Market
|
.15%
|
.15%
|
Monthly
|
None - Monthly Fee $5.00
|
|
High Peaks Tiered Money Market (3)
|
||||
|
I
|
.30%
|
.30%
|
Monthly
|
$200,000.00 and over
|
|
II
|
.25%
|
.25%
|
Monthly
|
$100,000.00 - $199,999.99
|
|
III
|
.20%
|
.20%
|
Monthly
|
$50,000.00 - $99,999.99
|
|
IV
|
.15%
|
.15%
|
Monthly
|
Under $50,000.00 (4)
|
|
Corporate High Peaks Tiered Money Market (5)
|
||||
|
I
|
.30%
|
.30%
|
Monthly
|
$500,000.00 and over
|
|
II
|
.25%
|
.25%
|
Monthly
|
$200,000.00-$499,999.99
|
|
III
|
.20%
|
.20%
|
Monthly
|
$15,000.00-$199,999.99 (6)
|
(1) Not available to businesses
(2) MMDA rate reverts to NOW rate when average balance falls below minimum.
(3) Available to individuals only.
(4) A minimum balance fee of $15.00 will be imposed every month if the balance in the account falls below $15,000 any day of the month.
(5) Available to businesses and non-profit organizations. Not available to municipalities.
(6) A minimum balance fee of $20.00 will be imposed every month if the balance in the account falls below $15,000 on any day of the month.
All interest rates and Annual Percentage Yields (APYs) are accurate as indicated above and are subject to change any time without prior notice. A penalty will be imposed for early withdrawal. Fees may reduce earnings. The Annual Percentage Yield (APY) assumes principal and interest will remain on deposit until maturity.
(1) IRA Accounts are not subject to the minimum balance requirements.
Certificate of Deposit |
| Instrument | APY | Interest Rate | Compounded | Minimum Balance |
|
7 Days CD
|
.10%
|
.10%
|
Simple
|
$500
|
|
32 Days CD
|
.10%
|
.10%
|
Simple
|
$500
|
|
91 Days CD/IRA
|
.10%
|
.10%
|
Simple
|
$500 (1)
|
|
182 Days CD/IRA
|
.15%
|
.15%
|
Semi-Annual
|
$500 (1)
|
|
1 Year CD/IRA
|
.20%
|
.20%
|
Continuously
|
$500 (1)
|
|
2 Year CD/IRA
|
.35%
|
.35%
|
Continuously
|
$500 (1)
|
|
3 Year CD/IRA
|
.50%
|
.50%
|
Monthly
|
$500 (1)
|
All interest rates and Annual Percentage Yields (APYs) are accurate as indicated above and are subject to change any time without prior notice. A penalty will be imposed for early withdrawal. Fees may reduce earnings. The Annual Percentage Yield (APY) assumes principal and interest will remain on deposit until maturity.
(1) IRA Accounts are not subject to the minimum balance requirements.
