Rates: CDs

Interest Rates and Annual Percentage Yields are current as of July 1, 2008 through July 7, 2008

Term

Minimum
Opening Deposit

Interest Rate

APY*

 

60 Month Certificate**

$500.00

 

up to $2,499.99

 

3.35%

3.35%

$2,500.00-9,999.99

 

3.40%

3.40%

$10,000.00-49,999.99

 

3.45%

3.45%

$50,000.00-99,999.99

 

3.50%

3.50%

$100,000.00 and up

 

3.60%

3.60%

 

48 Month Certificate**

$500.00

up to $2,499.99

 

3.25%

3.25%

$2,500.00-9,999.99

 

3.30%

3.30%

$10,000.00-49,999.99

 

3.35%

3.35%

$50,000.00-99,999.99

 

3.40%

3.40%

$100,000.00 and up

 

3.50%

3.50%

 

36 Month Certificate**

$500.00

 

up to $2,499.99

 

3.25%

3.25%

$2,500.00-9,999.99

 

3.30%

3.30%

$10,000.00-49,999.99

 

3.35%

3.35%

$50,000.00-99,999.99

                                                 

3.40%

3.40%

$100,000.00 and up

 

3.50%

3.50%

 

30 Month Certificate**

$500.00

 

up to $2,499.99

 

3.20%

3.21%

$2,500.00-9,999.99

 

3.25%

3.26%

$10,000.00-49,999.99

 

3.30%

3.31%

$50,000.00-99,999.99

 

3.35%

3.36%

$100,000.00 and up

 

3.45%

3.46%

 

24 Month Certificate**

$500.00

 

up to $2,499.99

 

3.20%

3.20%

$2,500.00-9,999.99

 

3.25%

3.25%

$10,000.00-49,999.99

 

3.30%

3.30%

$50,000.00-99,999.99

 

3.35%

3.35%

$100,000.00 and up

 

3.45%

3.45%

 

18 Month Certificate**

$500.00

 

up to $2,499.99

 

2.85%

2.86%

$2,500.00-9,999.99

 

2.90%

2.91%

$10,000.00-49,999.99

 

2.95%

2.96%

$50,000.00-99,999.99

 

3.00%

3.01%

$100,000.00 and up

 

3.10%

3.11%

 

12 Month Certificate**

$500.00

 

up to $2,499.99

 

2.85%

2.85%

$2,500.00-9,999.99

 

2.90%

2.90%

10,000.00-49,999.99

 

2.95%

2.95%

$50,000.00-99,999.99

 

3.00%

3.00%

$100,000.00 and up

 

3.10%

3.10%

 

6 Month Certificate**

$500.00

 

up to $2,499.99

 

2.55%

2.57%

$2,500.00-9,999.99

 

2.60%

2.62%

$10,000.00-49,999.99

 

2.65%

2.67%

$50,000.00-99,999.99

 

2.70%

2.72%

100,000.00 and up

 

2.80%

2.82%

 

3 Month Certificate**

$1,000.00

 

up to $2,499.99

 

2.00%

2.01%

$2,500.00-9,999.99

 

2.05%

2.07%

$10,000.00-49,999.99

 

2.10%

2.12%

$50,000.00-99,999.99

 

2.15%

2.17%

100,000.00 and up

 

2.25%

2.27%

 

7-31 Day Certificate** $2,500.00  

up to $9,999.99

  1.80% 1.82%

$10,000.00-49,999.99

 

1.85%

1.87%

$50,000.00-99,999.99   1.90% 1.92%
$100,000.00 and up   2.00% 2.02%

*The Annual Percentage yield for all CD's with a term of one year or longer is calculated assuming annual compounding. ** A penalty may be imposed for early withdrawal.

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