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Interest
Rates
Effective date: 1-31-2012
| Now Account* |
| Balance |
Interest Rate |
Annual Percentage Yield |
| Under $2,500 |
.05% |
.05% |
| $2,500+ |
.05% |
.05% |
| $100.00 minimum deposit to open account. The minimum balance required to obtain the APY is $0.01. |
| Savings Account* |
| Balance |
Interest Rate |
Annual Percentage Yield |
| Under $2,500 |
.10% |
.10% |
| $2,500 - $4,999 |
.10% |
.10% |
| $5,000 - $9,999 |
.15% |
.15% |
| $10,000+ |
.20% |
.20% |
| $100.00 minimum deposit to open account. The minumim balance required to obtain the APY is $0.01. |
| Money Market Savings* |
| Balance |
Interest Rate |
Annual Percentage Yield |
| Under $2,500 |
.15% |
.15% |
| $2,500 - $4,999 |
.15% |
.15% |
| $5,000 - $24,999 |
.20% |
.20% |
| $25,000+ |
.25% |
.25% |
| $100.00 minimum deposit to open account. The minimum balance required to obtain the APY is $0.01. |
| Money Tree Savings* |
| Balance |
Interest Rate |
Annual Percentage Yield |
| All Balances |
.40% |
.40% |
| $10.00 minimum deposit to open account. The minimum balance required to obtain the APY is $0.01. |
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1-31-2012
| 6 Month CD** |
| Balance |
Interest Rate |
Annual Percentage Yield |
| $1,000+ |
.10% |
.10% |
| $10,000+ |
.30% |
.30% |
| $100,000+ |
.30% |
.30% |
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| $1,000.00 minimum deposit to open account. |
| 12 Month CD** |
| Balance |
Interest Rate |
Annual Percentage Yield |
| $1,000+ |
.35% |
.35% |
| $10,000+ |
.50% |
.50% |
| $100,000+ |
.50% |
.50% |
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| $1,000.00 minimum deposit to open account. |
| 18 Month CD** |
| Balance |
Interest Rate |
Annual Percentage Yield |
| $1,000+ |
.50% |
.50% |
| $10,000+ |
.65% |
.65% |
| $100,000+ |
.65% |
.65% |
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| $1,000.00 minimum deposit to open account. |
| 24 Month CD** |
| Balance |
Interest Rate |
Annual Percentage Yield |
| $1,000+ |
.65% |
.65% |
| $10,000+ |
.80% |
.80% |
| $100,000+ |
.80% |
.80% |
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| $1,000.00 minimum deposit to open account. |
| Money Tree 36 Month CD** |
| Balance |
Interest Rate |
Annual Percentage Yield |
| $250+ |
.80% |
.80% |
| $250.00 minimum deposit to open account. |
| 36 Month CD** |
| Balance |
Interest Rate |
Annual Percentage Yield |
| $1,000+ |
.80% |
.80% |
| $10,000+ |
1.15% |
1.15% |
| $100,000+ |
1.15% |
1.15% |
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| $1,000.00 minimum deposit to open account. |
| 48 Month CD** |
| Balance |
Interest Rate |
Annual Percentage Yield |
| $1,000+ |
1.25% |
1.25% |
| $10,000+ |
1.50% |
1.50% |
| $100,000+ |
1.50% |
1.50% |
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| $1,000.00 minimum deposit to open account. |
| 60 Month CD** |
| Balance |
Interest Rate |
Annual Percentage Yield |
| $1,000+ |
1.50% |
1.50% |
| $10,000+ |
1.75% |
1.75% |
| $100,000+ |
1.75% |
1.75% |
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| $1,000.00 minimum deposit to open account. |
| 18 Month IRA* ** |
| Balance |
Interest Rate |
Annual Percentage Yield |
| $10 |
1.00% |
1.00% |
| $10.00 minimum deposit to open account |
| 60 Month IRA and 60 Month Roth IRA* ** |
| Balance |
Interest Rate |
Annual Percentage Yield |
| $1,000 |
2.00% |
2.00% |
| $1,000.00 minimum deposit to open account. |
| 12 Month Roth IRA* ** |
| Balance |
Interest Rate |
Annual Percentage Yield |
| $25 |
.75% |
.75% |
| $25.00 minimum deposit to open account. |
| 12 Month Coverdell Educational Savings Acct* ** |
| Balance |
Interest Rate |
Annual Percentage Yield |
| $25 |
.75% |
.75% |
| $25.00 minimum deposit to open account. |
| Heritage Club Receives The $10,000+ Tier APY If Balance Is < $100,000 |
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Balance: The amount of principal in the account each day.
*The interest rate and annual percentage yield may change after account
opening. Fees could reduce the earnings on the account.
**A penalty may be imposed for early withdrawal. Fees could reduce the
earnings on the account.
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