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Checking | Savings | Certificates Of Deposit | Individual Retirement Accounts | Loan Rates


Checking

Term  Minimum Balance  Interest Rate  Annual Percentage Yield 
Interest Checking 
$1,000  0.20%  0.20% 
 
$2,500  0.35%  0.35% 
 
$10,000  0.35%  0.35% 
Investment Plus Account 
$1,000  .805%  .80% 
 
$15,000  1.11%  1.12% 
Independence Plus Account 
$5,000  .50%  .50% 
Money Market Account 
$1,000  .75%  .75% 
 
$25,000  1.00%  1.00% 
 
$50,000  1.15%  1.15% 

  1. Rates are variable and may change after account is opened.

  2. The annual percentage yields listed will be offered from May 1, 2008 until the date of the next rate change.

  3. Minimum opening balance of $25,000 required for Investment Plus Account.

  4. Fees could reduce earnings to account.

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Savings

Term  Minimum Balance  Interest Rate  Annual Percentage Yield 
Community Savings 
$50  0.35%  0.35% 
Freedom 50 
$50  0.50%  0.50% 
Super Savings 
$1,000  0.50%  0.50% 
 
$2,500  0.65%  0.65% 
 
$10,000  0.85%  0.85% 
Student Savings 
$25  0.35%  0.35% 
Christmas Club 
$1.00  2.50%  2.53% 
"My" Club Account 
$5.00  1.50%  1.51% 

  1. Rates are variable and may change after account is opened.

  2. The annual percentage yields listed will be offered from May 1, 2008 until the date of the next rate change.

  3. Fees could reduce earnings to account.

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Certificates Of Deposit

Term  Minimum Balance  Interest Rate  Annual Percentage Yield 
Promo CD
9 Month Certificate
of Deposit 
$5,000  3.10%  3.15% 
3 Month Certificate of Deposit 
$500  1.98%  2.00% 
6 Month Certificate of Deposit 
$500  2.175%  2.20% 
12 Month Certificate of Deposit 
$500  2.470%  2.50% 
15 Month Certificate of Deposit 
$500  2.565%  2.60% 
18 Month Certificate of Deposit 
$500  2.66%  2.70% 
24 Month Certificate of Deposit 
$500  2.66%  2.70% 
24 Month Liberty Plus 
$25,000  2.765%  2.80% 
25 Month Renewable
Certificate of Deposit 
$5,000  3.15%  3.20% 
30 Month Certificate of Deposit 
$500  2.855%  2.90% 
36 Month Certificate of Deposit 
$500  2.905%  2.95% 
36 Month Liberty Plus 
$25,000  3.00%  3.05% 
48 Month Liberty Plus 
$25,000  3.245%  3.30% 
48 Month Certificate of Deposit 
$500  3.05%  3.10% 
60 Month Certificate of Deposit 
$500  3.44%  3.50% 
Super Certificate of Deposit 
$100,000  Contact us for more information   
Smart Account 
$100  2.855%  2.90% 

  1. The annual percentage yields listed will be offered from May 1, 2008 until the date of the next rate change.

  2. Fees could reduce earnings to account.

  3. A penalty will be imposed for early withdrawal.

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Individual Retirement Accounts

Term  Minimum Deposit  Interest Rate  Annual Percentage Yield 
Variable Rate IRA 
  1.98%  2.00% 
SEP/SIMPLE IRA 12-Month 
  2.47%  2.50% 
25 Month
Renewable IRA 
$4,000  3.15%  3.20% 

  1. The Variable Rate IRA has a variable rate which may change after the account is opened.
  2. Fees could reduce earnings.
  3. Substantial penalty for early withdrawal of certificate funds. Early withdrawal of an IRA certificate requires an additional IRS penalty.
  4. The annual percentage yield will be offered from May 1, 2008 until the date of the next rate change.
In addition to the accounts listed above, we offer a full line of IRA Accounts and other savings plans. For more information please contact your nearest sales office.

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Loan Rates

We offer all types of consumer, commercial, agriculture and real estate loans. For more information on interest rates and terms, please contact your nearest sales office.

   
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