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CURRENT RATES
Rates Effective as of November 19, 2008
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Checking
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Account Type
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Rate
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*APY
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Minimum Balance To Earn APY
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Minimum Deposit
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First Club (50 years of age or better and $5,000 in combined account balances)
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0.09%
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0.10%
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$0.01 - $999.99
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$100.00
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0.19%
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0.20%
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$1,000 - $2,499.99
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$1,000.00
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|
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0.29%
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0.30%
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$2,500 - $4,999.99
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$2,500.00
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0.40%
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0.41%
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$5,000.00 and up
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$5,000.00
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Elite Club
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0.19%
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0.20%
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$1,000 - $2,499.99
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$1,000.00
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|
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0.29%
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0.30%
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$2,500.00 and up
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$2,500.00
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0.40%
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0.41%
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$5,000.00 and up
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$5,000.00
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Super Now
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0.19%
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0.20%
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$1,000 - $2,499.99
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$1,000.00
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0.29%
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0.30%
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$2,500 - $4,999.99
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$2,500.00
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0.40%
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0.41%
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$5,000.00 and up
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$5,000.00
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Senior Citizen (62 years or better)
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0.19%
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0.20%
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$1,000 - $2,499.00
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$1,000.00
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0.29%
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0.30%
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$2,500.00 - $4,999.99
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$2,500.00
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0.40%
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0.41%
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$5,000.00 and up
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Health Savings Account
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2.00%
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2.02%
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$ .01 - $999.99
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$1,000.00
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2.20%
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2.22%
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$1,000.00 – 2,499.99
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$2,500.00
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2.40%
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2.43%
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$2,500.00 and up
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Super Now, Senior Citizen and Elite Club Checking Accounts with balances under $1,000 do not earn interest.
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Savings
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Account Type
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Rate
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*APY
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Minimum Deposit
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Regular Savings
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0.19%
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0.20%
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$0.01 - $999.99
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|
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0.29%
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0.30%
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$1,000.00 - $2,499.99
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|
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0.39%
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0.40%
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$2,500.00 - $4,999.99
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|
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0.49%
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0.50%
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$5,000.00 and up
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Christmas Savings
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0.19%
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0.20%
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$25.00
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0.29%
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0.30%
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$1,000.00-$2,499.99
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|
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0.39%
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0.40%
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$2,500.00-$4,999.99
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|
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0.49%
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0.50%
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$5,000.00 and up
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Kids Klub Savings
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0.19%
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0.20%
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$10.00
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*Annual Percentage Yield is based on principal plus interest reinvested at the same rate with interest compounded quarterly. Christmas Club accounts are not compounded, interest earned is credited when your check is issued in October.
Fees could reduce the earnings on these accounts.
Rates are subject to change after the account is opened.
APY = Annual Percentage Yield
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Money Market
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Account Type
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Rate
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*APY
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Minimum Deposit
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Regular Money Market
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0.19%
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0.20%
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$1,000 - $2,499.99
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|
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0.29%
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0.30%
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$2,500 - $4,999.99
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|
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0.75%
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0.76%
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$5,000.00 and up
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Premier Money Market
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0.75%
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0.76%
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$1,000 - $9,999.99
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|
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1.69%
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1.70%
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$10,000 - $24,999.99
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1.79%
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1.80%
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$25000 - $49,999.99
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1.88%
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1.90%
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$50,000 and up
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Emerald Advantage Money Market
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0.75%
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0.76%
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$1000 - $9,999.99
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(Customers with a GWB checking account
|
1.79%
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1.80%
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$10,000 - $24,999.99
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|
receive an additional 1/4%)
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1.88%
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1.90%
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$25,000 - $49,999.99
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|
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1.98%
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2.00%
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$50,000 and up
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*Annual Percentage Yield is based on principal plus interest reinvested at the same rate with interest compounded monthly.
Fees could reduce the earnings on these accounts.
Rates are subject to change after the account is opened.
APY = Annual Percentage Yield
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CD's / IRA's
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Account Type
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Rate
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*APY
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Minimum Deposit
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3 Month
|
2.09%
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2.11%
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$2,500
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6 Month
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2.20%
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2.21%
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$2,500
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1 Year
|
2.49%
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2.51%
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$2,500
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14 Month Triple Option
|
2.51%
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2.54%
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$5,000
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18 Month Option
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2.54%
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2.56%
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$1,000
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18 Month Variable (IRA)
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1.40%
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1.41%
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$500
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2 Year
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2.74%
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2.76%
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$1,000
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28 Month Triple Option
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2.63%
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2.66%
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$5,000
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36 Month Option
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3.06%
|
3.06%
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$1,000
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36 Month Triple Option
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2.97%
|
3.01%
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$5,000
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3 Year
|
3.04%
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3.06%
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$1,000
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4 Year
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3.38%
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3.41%
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$1,000
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5 Year
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3.48%
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3.51%
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$1,000
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*Annual Percentage Yield is based on principal plus interest reinvested at the same rate with interest compounded semi-annually unless otherwise stated at account opening.
Substantial penalty for early withdrawal.
Rates are subject to change after the account is opened.
APY = Annual Percentage Yield
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