Interest Rates and Annual Percentage Yield ("APY")* are current as of November 3, 2008
| Personal Checking &
Savings |
Interest
Rate |
APY* |
| |
|
|
| First State Gold
Club Checking (b) |
0.25% |
0.25% |
| |
|
|
| First Choice Checking
(b) |
|
|
| Daily Balances (c) of: |
|
|
| Up to $9,999.99 |
0.7950% |
0.80% |
| $10,000.00 and over |
1.8332% |
1.85% |
| |
|
|
| Primary Money
Market(b) |
|
|
| Daily Balances (c) of: |
|
|
| Up to $9,999.99 |
0.5000% |
0.50% |
| $10,000.00 -
$19,999.99 |
0.7474% |
0.75% |
| $20,000.00 -
$49,999.99 |
0.9951% |
1.00% |
| $50,000.00 -
$499,999.99 |
1.2423% |
1.25% |
| $500,000.00 -
$999,998.99 |
1.4396% |
1.45% |
| $999,999.00 and
over |
2.3229% |
2.35% |
| |
|
|
| Second To None
Relationship Money Market (b) |
|
|
| Daily Balances (c) of: |
|
|
| Up to $19,999.99 |
1.5380% |
1.55% |
| $20,000.00 -
$49,999.99 |
1.6858% |
1.70% |
| $50,000.00 -
$99,999.99 |
2.2251% |
2.25% |
| $100,000.00 -
$499,999.99 |
2.3717% |
2.40% |
| $500,000.00 and
over |
2.4693% |
2.50% |
| |
|
|
| Primary Savings
(b) |
0.25% |
0.25% |
| |
|
|
| First Step Savings
(b) ($25.00 to open) |
0.25% |
0.25% |
| |
|
|
| Christmas Club
Savings*** ($10.00 to open) |
1.50% |
1.50% |
| |
|
|
| Tiered Savings
(b)) |
|
|
| Daily Balances (c) of: |
|
|
| Up to $4,999.99 |
0.3990% |
0.40% |
| $5,000.00 -
$9,999.99 |
0.4989% |
0.50% |
| $10,000.00 -
$19,999.99 |
0.8960% |
0.90% |
| $20,000.00 -
$49,999.99 |
0.9951% |
1.00% |
| $50,000.00 -
$99,999.99 |
1.0940% |
1.10% |
| $100,000.00 and
over |
1.3903% |
1.40% |
| |
|
|
| Business Checking & Savings |
Interest Rate |
APY |
| |
|
|
| Business Checking Plus (b) |
0.25% |
0.25% |
| |
|
|
| Basic Business Savings
(b) |
0.25% |
0.25% |
| |
|
|
| Business Money
Market(b) |
|
|
| Daily Balances (c) of: |
|
|
| Up to $9,999.99 |
0.5000% |
0.50% |
| $10,000.00 - $19,999.99 |
0.7474% |
0.75% |
| $20,000.00 - $49,999.99 |
0.9951% |
1.00% |
| $50,000.00 - $499,999.99 |
1.2423% |
1.25% |
| $500,000.00 - $999,998.99 |
1.4396% |
1.45% |
| $999,999.00 and over |
2.3229% |
2.35% |
| |
|
|
| Certificates of Deposit (a) |
Interest Rate |
APY |
| 30 Days |
1.2410% |
1.25% |
| 90 Days |
2.3220% |
2.35% |
| 6 Months |
2.7120% |
2.75% |
| 270 Days |
2.9080% |
2.95% |
| 1 Year |
3.4415% |
3.50% |
| 18 Months |
3.6810% |
3.75% |
| 2 Years |
3.9220% |
4.00% |
| 3 Years |
3.9707% |
4.05% |
| 4 Years |
4.1620% |
4.25% |
| 5 Years |
4.4020% |
4.50% |
| |
|
|
| Individual Retirement Accounts |
Interest Rate |
APY |
| IRA Certificates of Deposit (a) |
|
|
| 6 Month |
2.7120% |
2.75% |
| 1 Year |
3.4415% |
3.50% |
| 18 Months |
3.6810% |
3.75% |
| 2 Years |
3.9220% |
4.00% |
| 3 Years |
3.9707% |
4.05% |
| 4 Years |
4.1620% |
4.25% |
| 5 Years |
4.4020% |
4.50% |
| |
|
|
| IRA Tiered Savings (b) |
Interest Rate |
APY |
| Daily Balances (c) of: |
|
|
| Up to $4,999.99 |
1.4890% |
1.50% |
| $5,000.00 - $19,999.99 |
1.6366% |
1.65% |
| $20,000.00 - $49,999.99 |
1.8822% |
1.90% |
| $50,000.00 - $99,999.99 |
2.4693% |
2.50% |
| $100,000.00 and over |
2.5669% |
2.60% |
| |
|
|
| Special Promotions |
Interest
Rate |
APY* |
| |
|
|
| Money Market (a.1) (b) |
3.0925% |
3.14% |
| |
|
|
(a) A penalty may be imposed for early withdrawal. Minimum Deposit of $1,000.00 required.
(a.1) Minimum Deposit of $10,000.00 required to open.
(b) The interest rate and annual percentage yield may change after account opening. Fees could reduce the earnings on the account.
(c) Daily Balance: The amount of principal in the account each day.
*The Annual Percentage Yield (“APY”) assumes interest will remain on deposit until maturity*
**All accounts (except Christmas Club) compound daily**
***Christmas Club is Simple Interest***
Minimum deposit of $100.00 required unless otherwise specified.
Rates Subject to Change Without Notice
|
|
Protect All Your Deposits with FDIC Insurance |
