|
Rates are effective as of 5/9/2008.
Rates are subject to change at any time without notice.
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Certificates of Deposit
|
|
Term
|
Minimum*
|
Interest Rate
|
APY**
|
Special Terms
|
|
91 - 181 Days
|
$500
|
1.38%
|
1.40%
|
None
|
|
182 - 364 Days
|
$500
|
1.68%
|
1.70%
|
None
|
|
1 Year - 23 Months
|
$500
|
1.97%
|
2.00%
|
None
|
|
24 - 35 Months
|
$500
|
2.37%
|
2.40%
|
None
|
|
36 - 47 Months
|
$500
|
2.52%
|
2.55%
|
None
|
|
48 - 59 Months
|
$500
|
2.77%
|
2.80%
|
None
|
|
60 Months
|
$500
|
3.00%
|
3.05%
|
None
|
|
12 Month KNIGHT CD (final rate)***
|
$500
|
5.23%
|
5.30%
|
None
|
|
|
|
|
|
|
*Minimum Balance, penalty for early withdrawal
**APY= Annual Percentage Yield
***Enrollment period was from October 22, 2007 - December 7, 2007 only.
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|
Individual Retirement Accounts (IRAs)
|
|
Term
|
Minimum*
|
Interest Rate
|
APY**
|
Special Terms
|
|
91 - 181 days
|
$500
|
xxx
|
xxx
|
None
|
|
182 - 364 days
|
$500
|
1.78%
|
1.80%
|
None
|
|
1 Year - 23 Months
|
$500
|
2.07%
|
2.10%
|
None
|
|
24 - 35 Months
|
$500
|
2.47%
|
2.50%
|
None
|
|
36 - 47 Months
|
$500
|
2.62%
|
2.65%
|
None
|
|
48 - 59 Months
|
$500
|
2.87%
|
2.90%
|
None
|
|
60 Months
|
$500
|
3.10%
|
3.15%
|
None
|
|
|
|
|
|
|
|
|
|
|
|
|
*Minimum Balance, penalty for early withdrawal
**APY =Annual Percentage Yield
|
|
Checking Accounts
|
|
Product
|
Minimum Balance**
|
Interest Rate
|
APY*
|
|
NOW Account
|
$1,000
|
0.50%
|
0.50%
|
|
Money Market Deposit Account
|
$2,500
|
1.00%
|
1.00%
|
|
|
|
|
|
*APY = Annual Percentage Yield
**Minimum daily balance
Fees may reduce earnings
|
|
Savings Accounts
|
|
Product
|
Minimum Balance**
|
Interest Rate
|
APY*
|
|
Statement Savings
|
$1.00
|
1.05%
|
1.05%
|
|
Christmas Savings
|
see account terms
|
1.75%
|
1.75%
|
*APY = Annual Percentage Yield
**Minimum daily balance
Fees may reduce earnings
Minimum $100 deposit to open. This may be waived for children under the age of 18.
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