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Business Deposit Rates
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Business Accounts
Effective Date March 8, 2010
Rates Subject to Change Daily
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DIVIDEND RATE
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APY
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MIN. BAL TO EARN APY
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Free Business Checking
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0.050%
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.05%
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$5,000
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Business Checking Plus
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0.050%
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.05%
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$1,000
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High Yield Business Checking
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Balances more than $100,000
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1.490%
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1.50%
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$75,000 or more but less than $100,000
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1.140%
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1.15%
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$50,000 or more but less than $75,000
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1.000%
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1.00%
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$25,000 or more but less than $50,000
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0.750%
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0.75%
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$10,000 or more but less than $25,000
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0.500%
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0.50%
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$2,500 or more but less $10,000
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0.500%
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0.50%
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$1,000 or more but less than $2,500
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0.250%
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0.25%
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Balances less than $1,000
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0.050%
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0.05%
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Business Savings Account
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0.250%
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0.25%
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$100
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Business Savings Plus*
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Balances more than $100,000
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1.490%
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1.50%
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$75,000 or more but less than $100,000
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1.140%
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1.15%
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$50,000 or more but less than $75,000
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1.000%
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1.00%
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$25,000 or more but less than $50,000
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0.750%
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0.75%
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$10,000 or more but less than $25,000
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0.500%
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0.50%
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$2,500 or more but less $10,000
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0.500%
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.50%
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$1,000 or more but less than $2,500
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0.500%
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.50%
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Balances less than $1,000
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0.250%
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.25%
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*must have a Business Checking Plus Account
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Ask us about our Health Savings Accounts (HSAs)
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Term Certificates***
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ACCOUNT
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DIVIDEND RATE
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APY*
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MIN BAL TO EARN APY
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Relationship Premium^ Rate
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Relationship Premium^ APY*
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Three Month
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0.550%
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0.55%
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$500
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1.045%
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1.05%
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Six Month
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0.750%
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0.75%
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$500
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1.240%
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1.25%
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Twelve Month
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0.950%
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0.95%
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$500
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1.440%
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1.45%
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Two Year
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1.740%
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1.75%
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$500
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2.225%
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2.25%
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Three Year
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1.740%
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1.75%
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$500
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2.225%
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2.25%
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Four Year
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1.740%
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1.75%
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$500
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2.225%
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2.25%
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Five Year
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1.740%
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1.75%
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$500
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2.225%
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2.25%
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Special Flex CDs
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Thirteen Months
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1.045%
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1.05%
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$500
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1.540%
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1.55%
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Eighteen Months
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1.290%
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1.30%
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$500
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1.790%
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1.80%
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Thirty Month
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2.030%
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2.05%
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$500
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2.525%
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2.55%
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The Flex CD allows you to bump up your rate once during the term of the certificate and you may make one penalty free withdrawal for up to 50% of the balance. A penalty may be assessed for withdrawals exceeding 50% of the balance.
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Individual Retirement Accounts - IRA/SEP1**
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Three Month
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0.550%
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0.55%
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$500
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1.045%
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1.05%
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Six Month
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0.750%
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0.75%
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$500
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1.240%
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1.25%
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Twelve Month
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0.950%
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0.95%
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$500
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1.440%
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1.45%
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Eighteen Month
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1.140%
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1.15%
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$500
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1.640%
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1.65%
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Two Year
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1.740%
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1.75%
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$500
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2.225%
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2.25%
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Three Year
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1.740%
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1.75%
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$500
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2.225%
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2.25%
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Four Year
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1.740%
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1.75%
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$500
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2.225%
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2.25%
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Five Year
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1.740%
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1.75%
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$500
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2.225%
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2.25%
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Bump Up IRA
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Thirteen Months
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1.045%
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1.05%
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$500
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1.540%
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1.55%
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Thirty Month
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2.030%
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2.05%
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$500
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2.525%
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2.55%
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The Bump Up IRA allows you to increase your rate once during the term of the IRA.
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1If you are 59 1/2 or older, you may change the term of your certificate once in a 12-month period (IRAs Only).
^ Relationship Premium Rates Apply to Term Certificates and IRAs only. Receive a higher dividend based on your total relationship: Checking with Direct Deposit earns an extra 0.25%,
A Mortgage Product earns an extra 0.10%, A Consumer Loan earns an extra 0.15%, Checking without Direct Deposit (open for at least one year) earns an extra 0.15% over our standard rates.
There are no annual maintenance fees on IRA accounts.
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*Annual Percentage Yield
**Penalty may be imposed for early withdrawal. Fees could reduce earnings on account.
***Share insurance is provided in excess of NCUA federal insurance by MSIC, a Massachusetts-chartered corporation not affiliated with the NCUA or the federal government.
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