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Effective August 1, 2004

Freedom Savers

...is a tiered savings program that allows you to earn more when you save more.

 Tier Levels

 Interest Rate

Annual Percentage Yield

 0.00 - $5000.00

 .45%

 .45%

 $5000.01 - $10,000.00

 .55%

 .55%

 $10,000.01 - 25,000.00

.65%

.65%

 Over $25,000.00

.75%

.75%

True Savers

...is a savings program that allows you to earn more than Freedom Savers.

 Opening Deposit

 Interest Rate

Annual Percentage Yield

$100

.45%

.45%

...it's a smart move to open a Smart Money account, Smart Money offers you the benefits of an investment account with the access of a checking account. Plus, it's a smart way to save money while earning a very competitive interest rate. It's a great way to make the most of your investment!

Smart Checking*

Smart Savings*

 Account

 Minimum Opening & Minimum Deposit to Earn APY

 Interest Rate

Annual Percentage Yield

 Smart Checking

$2,500

1.24%

1.25%

Smart Savings

$5,000

1.59%

1.60%

These are variable rate accounts and are subject to change quarterly. Fees may reduce earnings. If balance falls below required minimum opening balance, a monthly fee of $15.00 will be assessed to the account. There will be a $25.00 charge and loss of accrued interest for closing the account within 90 days of opening. Must open both accounts to earn stated annual percentage yield.

 

Certificate Of Deposits

...are designed for people who want to invest their money for a specified period of time. A variety of terms and competitive interest rates make our CD's a popular investment option.

 Term

Minimum Opening & Minimum Deposit to Earn APY

 Interest Rate

Annual Percentage Yield

 91 Days

$500

.80%

.80%

182 Days

$500

1.14%

1.15%

12 Month

$500

1.44%

1.45%

 18 Month

 $500

1.52%

1.53%

 24 Month

 $500

1.79%

1.80%

30 Month

 $500

2.03%

2.05%

 36 Month

 $500

2.33%

2.35%

 48 Month

 $500

2.72%

2.75%

60 Month

$500

3.12%

3.15%

         Individual Retirement Accounts

...help individuals to save money and plan for their retirement.

 

 Account

Minimum Opening & Minimum Deposit to Earn APY

Interest Rate

 Annual Percentage Yield

 Management Account

 $100

1.19%

1.20%

18 month variable

 $500

1.44%

1.45%

18 month fixed

$500

1.52%

1.53%

 36 month

 $500

2.33%

2.35%

 

All Rates listed are subject to change without notice.

Federal Regulations on Certificates of Deposit may require an early withdrawal penalty.

*Rate may change for 18 mo. Variable IRA certificate, SMART, NOW, Money Market, Freedom Savers, True Savers & Plus accounts after the accounts are opened and fees may reduce earnings. (True Savers account fees are waived for children up to 18).

**Does not require a minimum deposit to earn the APY

***No minimum balance requirement for children up to 18.  Does not require minimum balance to earn APY.

Please contact a customer service representative for more information at 217-347-7127.

Member FDIC