Deposit Interest Rates
Checking Accounts Account Type Balance Requirement to Obtain APY Interest Rate Annual Percentage Yield Balance Requirement to Avoid Service Charges Monthly Service Charge Regular Checking - Personal None N/A N/A None None Interest Checking - Personal and Sole Proprietorships Daily balance $1,000 + .15% .15% Average balance $1,000 $10 Platinum Rewards Checking - Personal Daily Balance up to $50,000 2.188% 2.21% None None Daily balance above $50,000 .509% .51% None None Qualifications not met during cycle; all balances 0.10% 0.10% None None Platinum Checking - Personal Daily Balance $5,000 + Tiered N/A Combined deposit accounts avg. $25,000 $5 $5,000 - $24,999 .10% .10% $25,000 - $49,999 .20% .20% $50,000 - $99,999 .40% .40% $100,000 and Over .55% .55% Platinum 50 Checking - Age 50 or more - Personal None N/A N/A N/A N/A Free Business Checking** N/A N/A N/A N/A - activity limits Commercial Checking N/A N/A N/A Activity and balances are analyzed Rates effective as of February 1, 2012
*Interest eligibilty qualifications during each qualifiction cycle:
1) Have at least 10 debit card transactions post and clear
2) Receive your monthly statement electronically
3) Have at least one direct deposit or auto debit post and clear
4) Access NetTeller online banking at least once**Limited activity - 1,000 total transactions including checks paid, deposits, deposited items.
Rates are subject to change after the account is opened.
Fees may reduce earnings on interest bearing accounts.
Savings Accounts Account Type Balance Requirements To Obtain APY Interest Rate Annual Percentage Yield Balance Requirements To Avoid Service Charges Service Charge New Beginnings Savings - Bridal Registry $10-$3,500 1.49% 1.50% none; $10 to open N/A Over $3,500 .30% .30% none N/A Treehouse Savings Club - Age 6-18 $5 - $1,000
2.50%
2.53%
none; $5 to open
N/A
Over $1,000
.30%
.30%
none
N/A
Premium Savings Up to $9,999 .30% .30% Quarterly average $100 $10/qtr. $10,000 - $24,999 .30% .30% Quarterly average $100 $10/qtr. $25,000 - $49,999 .50% .50% Quarterly average $100 $10/qtr. $50,000 and Over .70% .70% Quarterly average $100 $10/qtr. Platinum Money Market*** $0 - $24,999 .10% .10% Monthly average $10,000 $10/mo. $25,000 - $49,999 .20% .20% Monthly average $10,000 $10/mo. $50,000 - $149,999 .40% .40% Monthly average $10,000 $10/mo. $150,000 - $249,999 .55% .55% Monthly average $10,000 $10/mo. $250,000 and over .70% .70% Monthly average $10,000 $10/mo. Money Market Savings Plus*** $1,000 - $24,999 .15% .15% Monthly average $1,000 $10/mo. $25,000 - $49,999 .30% .30% Monthly average $1,000 $10/mo. $50,000 - $99,999 .50% .50% Monthly average $1,000 $10/mo. $100,000 - $249,999
.70%
.70%
Monthly average $1,000
$10/mo.
$250,000 and Over .90% .90% Monthly average $1,000 $10/mo. Regular Savings Balance $10 .30% .30% Quarterly average $100 $10/qtr. Christmas Club Savings Open until maturity .30% .30% Forfeit interest if cashed prior to maturity N/A Rates effective as of February 1, 2012
***Limited check writing.
Rates are subject to change after the account is opened.
Fees may reduce earnings on the account.
Certificates of Deposit
*** Special CD Offers - Check Them Out ***Term Minimum Deposit Interest Rate Annual Percentage Yield 6 Month $1,000 .40% .40% 12 Month $1,000 .65% .65% 18 Month* $1,000 .85% .85% 24 Month $1,000 .95% .95% 30 Month $1,000 .95% .95% 36 Month $1,000 1.15% 1.15% 48 Month $1,000 1.30% 1.31% 60 Month $1,000 1.75% 1.76% Rates effective as of February 1, 2012
Penalty for early withdrawal.
*One penalty-free withdrawal allowed after 6 months
