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Accurate as of October 5, 2011

Deposit Rates

Min. Opening Deposit Min. Balance to Obtain APY* APY*
Personal/Business Money Market Acct. $2,500 $2,500
$2,500 to $4,999.99 0.15%
$5,000 to $24,999.99 0.25%
$25,000 to $49,999.99 0.35%
$50,000 to $99,999.99 0.45%
$100,000 to $249,999.99 0.50%
$250,000+ 0.55%
N.O.W. Checking $100 $1,000
$1,000 to $4,999.99 0.10%
$5,000 to $24,999.99 0.15%
$25,000 to $49,999.99 0.20%
$50,000+ 0.25%
Platinum Reward Checking¹ $100 $0.01
Less than $25,000 2.00%
$25,000 plus² 2.00% to 0.65%
If product requirements not met 0.25%
Health Savings Accounts $100 $250  
$250 to $4,999.99     0.10%
$5,000 to $24,999.99     0.15%
$25,000 to $49,999.99     0.20%
$50,000+     0.25%
Personal/Business Statement Savings $500 $500 0.25%
Minor Savings $50 $100 0.25%


Certificates of Deposit³

Deposit Term Min. Opening Deposit Min. Balance to Obtain APY* APY*
$2,500 to $24,999 $25,000 to $49,999 $50,000 to $99,999 $100,000 and above
30-89 Days $25,000 $25,000 0.20% 0.20% 0.20% 0.20%
3 Month $2,500 $2,500 0.25% 0.25% 0.25% 0.25%
6 Month $2,500 $2,500 0.40% 0.40% 0.40% 0.45%
1 Year $2,500 $2,500 0.70% 0.70% 0.70% 0.75%
2 Year $2,500 $2,500 1.00% 1.00% 1.00% 1.05%
3 Year $2,500 $2,500 1.20% 1.25% 1.30% 1.35%
5 Year $2,500 $2,500 1.60% 1.65% 1.70% 1.75%

*All Interest Rates and Annual Percentage Yields (APY) are subject to change at any time. Fees or withdrawals may reduce earnings.
 
¹ 2.00% Annual Percentage Yield (APY) paid on balances between one penny and $25,000, and 0.50% APY paid on all amounts above $25,000 each cycle the minimum requirements are met. To earn bonus rate, simply perform the following each cycle: Make 10 debit card transactions (excluding ATM transactions), have 1 recurring ACH direct deposit or ACH debit/credit, and receive a monthly electronic statement. If you do not meet the requirements per cycle, your account will still function as a NOW checking account earning 0.25% APY; however, it will not receive ATM refunds for that time period. We may change the interest rate and APY at any time after the account is opened.
 
²Computed on balances ranging from $25,000 to $250,000
 
³A penalty may be imposed for early withdrawal. Listed CD rates apply to consumer funds only, please call (815) 207-6200 for municipal or institutional fund rates.