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.


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