Variable Rate Deposit Accounts
changes effective September 07, 2010
|
|
Account Type
|
Minimum Opening Deposit
|
Interest Rate
|
APY***
|
|
Savings
|
$100.00 ($25 for students 18 years old or younger)
|
0.05%
|
0.05%
|
|
Bartow Best Checking Account
|
$100.00
|
0.05%
|
0.05%
|
|
Fifty Something Checking Account
|
$100.00
|
0.05%
|
0.05%
|
|
Prestige Money Market Account
|
$100.00 (interest rate tiers listed below)<$1,000
|
0.00%
|
0.00%
|
|
|
$1,000-$9,999.99
|
0.05%
|
0.05%
|
|
|
$10,000-$24,999.99
|
0.25%
|
0.25%
|
|
|
$25,000-$49,999.99
|
0.60%
|
0.60%
|
|
|
$50,000 +
|
0.70%
|
0.70%
|
|
Platinum Money Market Account
|
$100.00 (interest rate tiers listed below)
|
|
|
|
|
<$100,000.00
|
0.05%
|
0.05%
|
|
|
$100,000.00-$499,999.
|
0.75%
|
0.75%
|
|
|
$500,000 +
|
1.00%
|
1.00%
|
|
Christmas Club
|
$0
|
0.05%
|
0.05%
|
|
Health Savings Acct
|
$100.00 (interest rate tiers listed below)
|
|
|
|
|
<=$499.00
|
0.05%
|
0.05%
|
|
|
$500.00-$999.99
|
0.05%
|
0.05%
|
|
|
$1,000-$4,999.99
|
0.05%
|
0.05%
|
|
|
$5,000+
|
0.05%
|
0.05%
|
|
Possibilities Plus Checking*
|
$100.00 (interest rate tiers listed below)
|
|
|
|
|
$0.01-$25,000.00*
|
0.86%
|
0.86%
|
|
|
$25,000+*
|
0.86%
|
0.86%
|
|
Possiblities Plus Savings*
|
$100.00 (interest rate tiers listed below)
|
|
|
|
|
$0.01-$25,000.00*
|
0.93%
|
0.93%
|
|
|
$25,000+*
|
0.93%
|
0.93%
|
***APY= Annual Percentage Yield assumed if funds on deposit for one year.
Rates subject to change without notice
Fees may reduce earnings.
___________________________________________________________
*Possibilities Plus: Rates disclosed for checking and savings will be paid based on the following monthly qualifying requirements on the checking account:
1. Agree to receive monthly E-statements
2. 10 Debit card transactions (POS) per statement cycle
3. 1 ACH Debit or Credit per statement cycle
An APY of 0.05% will be paid on collected balances for the checking and the savings should the above requirements not be met during a statement cycle.
|
CD: Certificate of Deposit
Changes effective September 07, 2010
|
|
Maturity
|
Minimum Opening Deposit
|
Interest Rate
|
APY***
|
|
1 Month*
|
$1,000.00
|
0.82%
|
0.82%
|
|
6 Months*
|
$1,000.00
|
1.07%
|
1.07%
|
|
1 Year*
|
$1,000.00
|
1.29%
|
1.30%
|
|
2 Years*
|
$1,000.00
|
1.63%
|
1.64%
|
|
3 Years*
|
$1,000.00
|
1.93%
|
1.94%
|
|
4 Years*
|
$1,000.00
|
2.14%
|
2.16%
|
|
5 Years*
|
$1,000.00
|
2.39%
|
2.41%
|
|
3 Months*
|
$1,000.00
|
0.92%
|
0.92%
|
* PENALTY FOR EARLY WITHDRAWAL
* Minor CD minimum deposit $500.00
Rates subject to change without notice.
Fees may reduce earnings.
***APY= Annual Percentage Yield assumed if funds on deposit for one year.
|
|
Certificate of Deposit
|
|
Maturity
|
Minimum Opening Deposit
|
Interest Rate
|
APY***
|
* PENALTY FOR EARLY WITHDRAWAL
* Minor CD minimum deposit $500.00
Rates subject to change without notice.
Fees may reduce earnings.
***APY = Annual Percentage Yield assumed if funds on deposit for one year.
|
IRA: Individual Retirement Account
Changes effective September 07, 2010
|
|
Maturity
|
Minimum Opening Deposit
|
Interest Rate
|
APY***
|
|
1 Year Fixed *
|
$500.00
|
1.29%
|
1.30%
|
|
2 Year Fixed *
|
$500.00
|
1.63%
|
1.64%
|
|
3 Year Fixed *
|
$500.00
|
1.93%
|
1.94%
|
|
4 Year Fixed *
|
$500.00
|
2.14%
|
2.16%
|
|
5 Year Fixed *
|
$500.00
|
2.39%
|
2.41%
|
|
Money Market IRA
|
$100.00
|
0.25%
|
0.25%
|
|
6 Mths Fixed*
|
$500.00
|
1.07%
|
1.07%
|
* PENALTY FOR EARLY WITHDRAWAL
Rates subject to change without notice.
Fees may reduce earnings.
***APY = Annual Percentage Yield assumed if funds on deposit for one year.
|
|
IRA: Individual Retirement Account
|
|
Maturity
|
Minimum Opening Deposit
|
Interest Rate
|
APY***
|
* PENALTY FOR EARLY WITHDRAWAL
Rates subject to change without notice.
Fees may reduce earnings.
***APY = Annual Percentage Yield assumed if funds on deposit for one year.
|
|
 |