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Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.
The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov. |
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Current Rates
DEPOSIT RATES |
| Effective: February 1, 2012 |
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Annual Rate |
Annual
Percentage
Yield |
| Interest Checking & Platinum 50 plus |
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| ($0 - $999 monthly minimum) |
0.20% |
0.20% |
| ($1,000 - $2,499) |
0.22% |
0.23% |
| ($2,500+) |
0.25% |
0.25% |
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| Regular Savings & Exempt Regular Savings |
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| ($100.00 minimum average) |
0.30% |
0.30% |
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| Money Market Deposit Account |
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| ($2,500.00 - $9,999 monthly minimum) |
0.30% |
0.30% |
| ($10,000 - $49,999) |
0.35% |
0.35% |
| ($50,000 - $99,999) |
0.40% |
0.40% |
| ($100,000 +) |
0.45% |
0.45% |
| This is a variable rate account: the rate(s) and APY(s) may change after the account is opened. You must maintain a minimum daily balance of $2,500.00 to obtain the disclosed annual percentage yield. |
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| Health Savings Account |
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| (no monthly minimum or average) |
0.50% |
0.50% |
| • EACH DEPOSITOR INSURED TO AT LEAST $250,000 BY THE FEDERAL DEPOSIT INSURANCE CORPORATION. |
| • RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. |
| • CONTACT AN EMPLOYEE FOR FURTHER INFORMATION ABOUT APPLICABLE FEES AND TERMS. |
CERTIFICATE OF DEPOSIT RATES |
Effective: February 1, 2012 |
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Annual Rate |
Annual
Percentage
Yield |
| 3 Month Certificate ($1,000 minimum) |
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| $ 1,000 - 9,999 |
0.25% |
0.25% |
| $ 10,000 - 49,999 |
0.30% |
0.30% |
| $ 50,000 - 99,999 (and IRA’s) |
0.35% |
0.35% |
| $ 100,000 - 249,999 |
0.40% |
0.40% |
| $ 250,000+ |
0.45% |
0.45% |
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| 6 Month Certificate ($1,000 minimum) |
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| $ 1,000 - 9,999 |
0.45% |
0.45% |
| $ 10,000 - 49,999 |
0.50% |
0.50% |
| $ 50,000 - 99,999 (and IRA’s) |
0.55% |
0.55% |
| $ 100,000 - 249,999 |
0.60% |
0.60% |
| $ 250,000+ |
0.65% |
0.65% |
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| 12 Month Certificate ($1,000 minimum) |
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| $ 1,000 - 9,999 |
0.60% |
0.60% |
| $ 10,000 - 49,999 |
0.65% |
0.65% |
| $ 50,000 - 99,999 (and IRA’s) |
0.70% |
0.70% |
| $ 100,000 - 249,999 |
0.75% |
0.75% |
| $ 250,000+ |
0.80% |
0.80% |
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| 18 Month Certificate ($1,000 minimum) |
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| $ 1,000 - 9,999 |
0.80% |
0.80% |
| $ 10,000 - 49,999 |
0.85% |
0.85% |
| $ 50,000 - 99,999 (and IRA’s) |
0.90% |
0.90% |
| $ 100,000 - 249,999 |
0.95% |
0.95% |
| $ 250,000+ |
1.00% |
1.00% |
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| 24 Month Certificate ($1,000 minimum) |
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| $ 1,000 - 9,999 |
0.90% |
0.90% |
| $ 10,000 - 49,999 |
0.95% |
0.95% |
| $ 50,000 - 99,999 (and IRA’s) |
1.00% |
1.00% |
| $ 100,000 - 249,999 |
1.05% |
1.05% |
| $ 250,000+ |
1.10% |
1.10% |
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| 30 Month Certificate ($1,000 minimum) |
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| $ 1,000 - 9,999 |
1.05% |
1.05% |
| $ 10,000 - 49,999 |
1.10% |
1.10% |
| $ 50,000 - 99,999 (and IRA’s) |
1.15% |
1.15% |
| $ 100,000 - 249,999 |
1.20% |
1.21% |
| $ 250,000+ |
1.25% |
1.26% |
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| 36 Month Certificate ($1,000 minimum) |
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| $ 1,000 - 9,999 |
1.20% |
1.21% |
| $ 10,000 - 49,999 |
1.25% |
1.26% |
| $ 50,000 - 99,999 (and IRA’s) |
1.30% |
1.31% |
| $ 100,000 - 249,999 |
1.35% |
1.36% |
| $ 250,000+ |
1.40% |
1.41% |
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| 48 Month Certificate ($1,000 minimum) |
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| $ 1,000 - 9,999 |
1.40% |
1.41% |
| $10,000 - 49,999 |
1.45% |
1.46% |
| $ 50,000 - 99,999 (and IRA's) |
1.50% |
1.41% |
| $ 100,000 - 249,999 |
1.55% |
1.56% |
| $ 250,000+ |
1.60% |
1.61% |
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| 60 Month Certificate ($1,000 minimum) |
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| $ 1,000 - 9,999 |
1.75% |
1.76% |
| $ 10,000 - 49,999 |
1.80% |
1.81% |
| $ 50,000 - 99,999 (and IRA’s) |
1.85% |
1.86% |
| $ 100,000 - 249,999 |
1.90% |
1.91% |
| $ 250,000+ |
1.95% |
1.96% |
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| • EACH DEPOSITOR INSURED TO AT LEAST $250,000 BY THE FEDERAL DEPOSIT INSURANCE CORPORATION. |
| • RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. |
| • SUBSTANTIAL INTEREST PENALTY MAY BE ASSESSED FOR EARLY WITHDRAWAL OF TIME CERTIFICATES OF DEPOSIT. |
| • CONTACT AN EMPLOYEE FOR FURTHER INFORMATION ABOUT APPLICABLE FEES AND TERMS. |
| • ANNUAL PERCENTAGE YIELD CALCULATED ON QUARTERLY INTEREST COMPOUNDING. |
| • YOU MUST MAINTAIN A MINIMUM DAILY BALANCE OF $1,000.00 TO OBTAIN THE DISCLOSED ANNUAL PERCENTAGE YIELD. |
Feel free to call us for current rates for loans at:
(573) 729-3137 Main Bank
(573) 729-3306 Drive-In Branch
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