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Public Funds Customers: Please call a Customer Service Representative for current rates and additional information.
Certificates of Deposit
as of September 8, 2010
APY= Annual Percentage Yield
You can increase your CD rate by 0.10% if you have two additional products (excluding CDs)with us.
Please call a Customer Service Representative for more information.
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Under $10,000.00
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$10,000.00 to $49,999.99
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$50,000.00 and OVER
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APY
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APY
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APY
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3 months*
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0.55%
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0.65%
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0.75%
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6 months*
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0.75%
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0.85%
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0.95%
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9 months*
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0.85%
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0.95%
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1.05%
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12 months*
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0.95%
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1.05%
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1.15%
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18 months**
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1.05%
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1.15%
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1.25%
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24 months##
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1.20%
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1.30%
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1.40%
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30 months**
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1.30%
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1.40%
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1.50%
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36 months**
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1.60%
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1.70%
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1.80%
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48 months**
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1.70%
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1.80%
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1.90%
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60 months**
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1.70%
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1.80%
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1.90%
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The 3 month CD pays interest at maturity. There is no compounding during the term. Interest is credited and compounded quarterly on all remaining CDs. As a service to our CD customers, you may elect to receive your interest by check or have it credited to your deposit account on a quarterly basis. If you elect to take your interest in this manner, you will not receive the benefit of compounding.
*Minimum deposit required is $1,000. Penalty of one month's interest is imposed on early withdrawal.
**Minimum deposit required is $1,000. Penalty of three months' interest is imposed on early withdrawal.
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Checking and Savings Accounts
as of September 8, 2010
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Account Type
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Compounding
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Interest
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APY*
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Minimum Balance
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All American*****
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Monthly
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0.10%
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0.10%
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$100.00 to open
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Custom 50*****
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Monthly
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0.75%
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0.75%
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$25.00 to open
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NOW Account*****
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Monthly
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0.75%
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0.75%
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$500.00 to open & avoid fees
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Super NOW Account*****
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Monthly
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1.25%
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1.25%
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$5,000.00 to open & avoid fees
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American Connection*****
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Quarterly
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0.10%
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0.10%
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$500 for interest
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Health Savings Account*****
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Quarterly
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1.49%
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1.50%
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None
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Regular Savings*****
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Quarterly
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1.49%
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1.50%
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$50.00 to open ($0 if under 18yrs or over 50 yrs)
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Holiday Club Savings******
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Quarterly
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1.49%
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1.50%
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$5.00 to open
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IRA Variable Savings #
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Monthly
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1.49%
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1.50%
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$25.00
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Money Market Savings***** $1,000-$9,999.99
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Monthly
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1.49%
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1.50%
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$1,000.00 to avoid fees
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Money Market Savings***** $10,000-$24,999.99
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Monthly
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1.49%
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1.50%
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$1,000.00 to avoid fees
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Money Market Savings***** $25,000 and OVER
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Monthly
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1.49%
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1.50%
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$1,000.00 to avoid fees
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*APY = Annual Percentage Yield. Rates subject to change at any time.
# A tax penalty for early withdrawal from an IRA may apply. Past performance does not guarantee future results.
*****Fees could reduce earnings on the above accounts. The interest rates may change after the account is opened.
Interest is compounded and paid monthly on our MONEY MARKET SAVINGS ACCOUNTS
******No withdrawals. Checks will cut around October 31st every year.
Please contact a Customer Service Representative for further information about applicable fees and terms.
MEMBER FDIC
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