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Deposit Interest Rates

Effective July 22, 2014 through July 28, 2014

Certificates of Deposit <$100,000
Personal and Business
Rates
APY
Compounding
Method
Minimum
Deposit
32 - 179 days 0.10% 0.10% Simple $ 500
6 - 11 months 0.15% 0.15% Daily $ 500
12 - 23 months 0.25% 0.25% Daily $ 500
24 - 35 months 0.45% 0.45% Daily $ 500
36 - 47 months 0.60% 0.60% Daily $ 500
48 - 59 months 0.85% 0.85% Daily $ 500
60 - 120 months 1.49% 1.50% Daily $ 500
7 Month CD Special 0.25% 0.25% Daily $ 500
11 Month CD Special 0.45% 0.45% Daily $ 500
35 Month CD Special 0.75% 0.75% Daily $ 500

*Rates are for both business and personal accounts. Annual percentage yield is based on the maximum term. Withdrawal of interest will affect the APY. Penalty for early withdrawal.

Individual Retirement
Accts < $100,000
Rate
APY
Compounding
Method
Minimum
Deposit
12 - 23 months 0.25% 0.25% Daily $ 500
24 - 35 months 0.45% 0.45% Daily $ 500
36 - 47 months 0.60% 0.60% Daily $ 500
48 - 59 months 0.85% 0.85% Daily $ 500
60 - 120 months 1.49% 1.50% Daily $ 500
Passbook IRA 0.15% 0.15% Daily  
35 Month CD Special 0.75% 0.75% Daily $500

*Penalty for early withdrawal.

Savings Products
Rate
APY
Compounding
Method
Min. Initial
Deposit
Statement Savings Personal and Business 0.05% 0.05% Daily $ 0
Christmas Club 0.05% 0.05% Daily $ 0
Money Market Savings Personal and Business and Public Funds Checking
Rate Tiers:
$.01 to $9,999.99 0.05% 0.05% Daily $ 1,000
$10,000 to $24,999.99 0.08% 0.08% Daily  
$25,000 to $99,999.99 0.10% 0.10% Daily  
$100,000 to $249,999.99 0.15% 0.15% Daily  
$250,000 and over 0.20% 0.20% Daily  
Health Savings 0.05% 0.05% Daily $ 0
Checking Products
Rate
APY
Compounding
Method
Min. Initial
Deposit
Heritage Interest, Golden, and Business Interest Checking       $ 100
Rate Tiers:
$.01 to $4,999.99 0.03% 0.03% Daily  
$5,000 to $24,999.99 0.05% 0.05% Daily  
$25,000 to $99,999.99 0.08% 0.08% Daily  
$100,000 to $249,999.99 0.10% 0.10% Daily  
$250,000 and over 0.15% 0.15% Daily  
Earnings Credit

Business Checking / Earnings Credit
note: earnings credit offsets service charge.

2.00% 2.02%   $ 100


Fees could reduce earnings on the deposit accounts.

A copy of product disclosures is available upon request.

Call us at (740) 622-8311 for additional information.


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