| Account/Product Name |
APY* |
Interest Rate |
| Interest-bearing Checking Accounts |
Prime Checking
• $500 minimum to open
• Daily minimum balance of $200 or more to earn interest
• Variable rate account |
0.75% |
0.75% |
Seniority Plus
• Daily minimum balance of $200 or more to earn interest
• Variable rate account |
0.25% |
0.25% |
NOW/Commercial NOW
• $300 minimum to open
• Daily minumum balance of $200 or more to earn interest
• Variable rate account |
0.25% |
0.25% |
Lifetime Free NOW
• $300 minimum to open
• All balances earn interest
• Variable rate account |
0.25% |
0.25% |
Health Savings Account
• $100 minimum to open
• All balances earn interest
• Variable rate account |
0.25% |
0.25% |
| Savings Accounts |
Minor Savings
• No minimum to open
• All balances earn interest
• Variable rate account |
0.50% |
0.50% |
Senior Savings
• No minimum to open
• All balances earn interest
• Variable rate account |
0.50% |
0.50% |
Christmas Club
• $5 minimum to open
• Daily minimum balance of $5 or more to earn interest
• Variable rate account |
0.50% |
0.50% |
Regular/Commercial Savings
• $200 minimum to open
• All balances earn interest
• Variable rate account |
0.50% |
0.50% |
| Money Market Accounts |
| Personal/Commercial Money Market |
• $1,500 minimum to open
• Variable rate account |
| Daily minimum balances to earn interest: |
| Below $2,499.99 |
0.25% |
0.25% |
| From $2,500 to $9,999.99 |
0.50% |
0.50% |
| From $10,000 to $24,999.99 |
0.75% |
0.75% |
| Above $25,000 |
1.00% |
1.00% |
| Individual Retirement Accounts |
| $100 minimum to open |
| Daily minimum balance of $100 or more to earn interest: |
| 18 Month Variable IRA |
1.25% |
1.24% |
| 18 Month Fixed IRA |
1.25% |
1.24% |
| 3 Month IRA |
0.25% |
0.25% |
| 6 Month IRA |
0.25% |
0.25% |
| 12 Month IRA |
1.00% |
1.00% |
| 15 Month IRA |
1.00% |
1.00% |
| 22 Month IRA |
2.00% |
1.98% |
| 24 Month IRA |
1.75% |
1.74% |
| 30 Month IRA |
2.25% |
2.23% |
| 36 Month IRA |
2.25% |
2.23% |
| 48 Month IRA |
2.50% |
2.47% |
| 60 Month IRA |
2.75% |
2.71% |
| Certificates of Deposit |
| $500 minimum to open |
| Daily minimum balance of $500 or more to earn interest: |
| 12 Month CD |
1.00% |
1.00% |
| 15 Month CD |
1.00% |
1.00% |
| 18 Month CD |
1.25% |
1.24% |
| 22 Month CD |
2.00% |
1.99% |
| 24 Month CD |
1.75% |
1.74% |
| 30 Month CD |
2.25% |
2.23% |
| 36 Month CD |
2.25% |
2.23% |
| 48 Month CD |
2.50% |
2.48% |
| 60 Month CD |
2.75% |
2.72% |
| $2,500 minimum to open |
| Daily minimum balance of $2,500 or more to earn interest: |
| 3 Month CD |
0.25% |
0.25% |
| 6 Month CD |
0.25%
|
0.25% |
| 9 Month CD |
0.25% |
0.25% |
| Jumbo Certificates of Deposit |
| $100,000 minimum to open |
| Daily minimum balance of $100,000 or more to earn interest: |
| 3 Month CD |
0.25% |
0.25% |
| 6 Month CD |
0.25% |
0.25% |
| 12 Month CD |
1.25% |
1.24% |
| 24 Month CD |
2.00% |
1.99% |
| Any fees associated with the above accounts can decrease the earnings on the account. Variable Rate Accounts are subject to interest rate changes after the accounts are opened. All certificates are subject to early withdrawal penalties. |
| For currrent rate information, call 217-351-2870. |
| *Annual Percentage Yields and Interest Rates are current as of January 29, 2010 . |
