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Deposit Rates
Certificate of Deposit Rates
Term
Minimum to Obtain APY
Interest Rate
APY*
3 Months
$500
0.50%
0.50%
6 Months
$500
0.75%
.075%
9 Months
$500
1.00%
1.00%
1 Year
$500
1.19%
1.20%
18 Months
$500
1.34%
1.35%
2 Years
$500
1.73%
1.75%
30 Months
$500
1.98%
2.00%
3 Years
$500
2.23%
2.25%
4 Years
$500
2.47%
2.50%
Effective July 1, 2010
Individual Retirement Accounts
Term
Minimum to Obtain APY
Interest Rate
APY*
1 Year
$500
1.19%
1.20%
18 Months
$100
1.34%
1.35%
2 Years
$500
1.73%
1.75%
30 Months
$500
1.98%
2.00%
3 Years
$500
2.23%
2.25%
4 Years
$500
2.47%
2.50%
Effective July 1, 2010
Savings and Checking Accounts
Type
Minimum to Obtain APY
Interest Rate
APY*
Regular Savings
$10
0.25%
0.25%
NOW Account
$10
0.05%
0.05%
Christmas Club
$10
0.25%
0.25%
Money Market
$2,500 and Over
0.50%
0.50%
$10 to $2,499.99
0.25%
0.25%
Optimum Personal**
$150,000 and Over
1.24%
1.25%
$75,000 to $149,999.99
1.00%
1.00%
$10 to $74,999.99
0.50%
0.50%
**A monthy fee of $ 40.00 will be imposed every statement cycle if the balance in the account falls below $ 25,000.00 any day of the cycle.
Performance Investment***
$20,000 and Over
1.24%
1.25%
$12,500 to $19,999.99
0.75%
0.75%
$5,000 to $12,4999.99
0.50%
0.50%
$10 to $4,999.99
0.10%
0.10%
***A monthly fee of $ 15.00 will be imposed every statement cycle if the balance in the account falls below $5,000.00 any day of the cycle.
Business Investment
$30,000 and Over
1.73.%
1.75%
$10,000 to $29,999.99
1.00%
1.00%
$10 to $9,999.99
0.50%
0.50%
Rewards Checking Account (1)
Rewards Rate
On balances up to $ 25,000.00
$ .01
2.96%
3.00%
(if you qualify)(2)
Rewards Rate
On portion of balance exceeding $ 25,000.00
$ 25,000.01
0.75%
1.88% to 3.00%(1)
(if you qualify)(2)
Base Rate
On full balance
$ .01
0.05%
0.05%
(if you do not qualify)(2)
Effective July 1, 2010
The rate on Savings Accounts are variable and may change after the account is opened.
*APY is defined as the Annual Percentage Yield. Monthly fees may reduce earnings on the account. A penalty may be imposed for withdrawals from IRAs or CDs before maturity.
(1)(2) Annual Percentage Yield (APY) is effective as of February 16, 2010 and may change after that date. Available for personal accounts only. For balances up to $25,000, the APY is 3.00%. For the portion of your balance above $25,000, the interest rate is .75% with an APY varying from 3.00% for a balance of $25,000.01 to 1.88% assuming a maximum deposit of $50,000. The minimum balance to open the account is $25; the minimum balance to earn the APY is $.01. If you do not meet the three requirements delineated below during a statement period, your account will still be free; however, you will earn the base APY of .05% for the statement period and you will not receive ATM fee refunds for the statement period. Fees could reduce earnings on the account.
To qualify for Rewards Checking rates, you must:
- Make 10 debit card purchases per “qualification cycle”
- Receive your monthly statement electronically via Online Banking
- Have a direct deposit or one auto debit through ACH or one Online Bill Pay per “qualification cycle”
“Qualification cycle” means a period beginning one business day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.
Banking the way you like it
For more information about our products and services, please use our information request form, stop by any office or call (413) 743-0001 to speak with a member of our staff.
