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Current Deposit Rates

Rates Effective: December 1, 2011 

Personal Deposit Rates
Business Deposit Rates
Certificates of Deposit
IOLTA Interest Checking

Personal Deposit Rates

Account Type  Interest Rate  APY 
Statement Savings 
Tier 1: $0-$9,999.99  .10%  .10% 
Tier 2: $10,000 or more  .15%  .15% 
Interest Checking 
Tier 1 $0-$1,499.99  0%  0% 
Tier 2: $1,500-$4,999.99  .15%  .15% 
Tier 3: $5,000.00-$24,999.99  .20%  .20% 
Tier 4: $25,000 or more  .25%  .25% 
Money Market Plus Savings 
Tier 1: $0-$4,999.99 
Tier 2: $5,000-$24,999.99  .25%  .25% 
Tier 3 : $25,000-$49,999.99  .30%  .30% 
Tier 4: $50,000-$99,999.99  .35%  .35% 
Tier 5: $100,000 or more  .35%  .35% 

APY = Annual Percentage Yield
The interest rate stated is variable and may change after account opening.
Fees may also reduce earnings.
The minimum opening deposit for a Statement Savings account = $100.00
The minimum opening deposit for a Interest Checking account = $500.00
The minimum opening deposit for a Money Market Plus Savings account = $1,000.00

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Business Deposit Rates

Account Type  Interest Rate  APY 
Business Savings 
Tier 1: $0-$999.99  0%  0% 
Tier 2: $1,000-$24,999.99  .10%  .10% 
Tier 3: $25,000-$49,999.99  .15%  .15% 
Tier 4: $50,000 or more  .20%  .20% 

Earnings Credit Rate for November 2011 = 0.10
APY = Annual Percentage Yield
The minimum opening deposit for a Business Savings account = $100.00

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Certificates of Deposit

Account Term  Minimum Opening Deposit  Interest Rate  APY 
1 Month - 5 Month CD 
$500 to $9,999.99  $500  .35%  .35% 
$10,000 - $24,999.99  $10,000  .35%  .35% 
$25,000 - $49,999.99  $25,000  .35%  .35% 
$50,000.00 - $99,999.99  $50,000  .35%  .35% 
$100,000 or more  $100,000  .35%  .35% 
6-11 Month CD 
$500 - $9,999.99  $500  .45%  .45% 
$10,000 - $24,999.99  $10,000  .45%  .45% 
$25,000 - $49,999.99  $25,000  .45%  .45% 
$50,000 to $99,999.99  $50,000  .45%  .45% 
$100,000 or more  $100,000  .45%  .45% 
12 - 17 Month CD 
$500 - $9,999.99  $500  .60%  .60% 
$10,000 - $24,999.99  $10,000  .60%  .60% 
$25,000 - $49,999.99  $25,000  .60%  .60% 
$50,000 - $99,999.99  $50,000  .60%  .60% 
$100,000 or more  $100,000  .60%  .60% 
18 - 23 Month CD 
$500 - $9,999.99  $500  .75%  .75% 
$10,000 - $24,999.99  $10,000  .75%  .75% 
$25,000 - $49,999.99  $25,000  .75%  .75% 
$50,000 - $99,999.99  $50,000  .75%  .75% 
$100,000 or more  $100,000  .75%  .75% 
2 year CD 
$500 - $9,999.99  $500  1.00%  1.00% 
$10,000 - $24,999.99  $10,000  1.00%  1.00% 
$25,000 - $49,999.99  $25,000  1.00%  1.00% 
$50,000 - $99,999.99  $50,000  1.00%  1.00% 
$100,000 or more  $100,000  1.00%  1.00% 
3 Year CD 
$500 - $9,999.99  $500  1.30%  1.31% 
$10,000 - $24,999.99  $10,000  1.30%  1.31% 
$25,000 - $49,999.99  $25,000  1.30%  1.31% 
$50,000 - $99,999.99  $50,000  1.30%  1.31% 
$100,000 or more  $100,000  1.30%  1.31% 
4 Year CD 
$500 - $9,999.99  $500  1.60%  1.61% 
$10,000 - $24,999.99  $10,000  1.60%  1.61% 
$25,000 - $49,999.99  $25,000  1.60%  1.61% 
$50,000 - $99,999.99  $50,000  1.60%  1.61% 
$100,000 or more  $100,000  1.60%  1.61% 
5 Year CD 
$500 - $9,999.99  $500  1.75%  1.76% 
$10,000 - $24,999.99  $10,000  1.75%  1.76% 
$25,000 - $49,999.99  $25,000  1.75%  1.76% 
$50,000 - $99,999.99  $50,000  1.75%  1.76% 
$100,000 or more  $100,000  1.75%  1.76% 

APY = Annual Percentage Yield
**CD Specials are offered for a limited time only and the bank reserves the right to withdraw this offer at any time.

Early Withdrawal Provisions:
Term up to and including 5 months - 1 month interest
Terms 6 Months up to and including 11 months - 3 months interest
Terms over 12 months and greater - 6 months interest

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IOLTA Interest Checking

IOLTA Interest Checking 
Tier $1 to 4,999.99  $1  .10%  .10% 
Tier $5000.00 or more  $5,000  .15%  .15% 
 
 
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