Deposit Rates
Effective
May 21, 2013 through May 28, 2013
|
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 |
1.00% |
1.00% |
Daily |
$ 500 |
| 60 - 120 months |
1.49% |
1.50% |
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 |
1.00% |
1.00% |
Daily |
$ 500 |
| 60 - 120 months |
1.49% |
1.50% |
Daily |
$ 500 |
| Passbook IRA |
0.15% |
0.15% |
Daily |
|
*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.
|
