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Rates1

Effective May 16, 2013

Admiral Savings
 Minimum Daily Balance for APYMinimum Opening BalanceInterest RateAnnual Percentage Yield (APY)2Minimum Daily Balance to Avoid Monthly Fees
All Balances $10 .25% .25% No Fees

 

Money Market Checking
Minimum Daily Balance for APYMinimum Opening BalanceInterest RateAnnual Percentage Yield (APY)2Minimum Daily Balance to Avoid Monthly Fees
$0.01-$2,499.99 $2,500 .25% .25%  $2,500
$2,500-$9,999.99   .25% .25%  
$10,000 and over   .45% .45%  

 

Premier Money Market Savings
Minimum Daily Balance for APYMinimum Opening BalanceInterest RateAnnual Percentage Yield (APY)2Minimum Daily Balance to Avoid Monthly Fees  
$0.01-$49,999.99 $2,500 .25% .25% $2,500 
$50,000-$99,999.99   .45% .45%  
$100,000 and over   .65% .65%  

 

NOW Checking
 Minimum Daily Balance for APYMinimum Opening BalanceInterest RateAnnual Percentage Yield (APY)2 Minimum Daily Balance to Avoid Monthly Fees 
All Balances $2,500 .25% .25% $2,500 

 

Super NOW Checking
Minimum Daily Balance for APYMinimum Opening BalanceInterest RateAnnual Percentage Yield (APY)2 Minimum Daily Balance to Avoid Monthly Fees 
$0.01-$1,499.99 $100 .25% .25%  $25,000 in combined balances
$1,500-$2,499.99   .45% .45%  
$2,500 and over   .70% .70%  

 

Admiral Checking
 Minimum Daily Balance for APYMinimum Opening BalanceInterest RateAnnual Percentage Yield (APY)2 Minimum Daily Balance to Avoid Monthly Fees 
All Balances $5,000 .65% .65% $5,000 

 

Easy Rewards Checking
 Minimum Daily Balance for APYMinimum Opening BalanceInterest RateAnnual Percentage Yield (APY)2Minimum Daily Balance to Avoid Monthly Fees
Qualifying Rate3 $2,500-$30,000 $2,500 1.74% 1.75% None
  $30,000.01 and over   0.25% 0.25%  
Non-Qualifying Rate3 All Balances   0.10% 0.10%  

 

Certificates of Deposit (Penalty for early withdrawal)
TypeMinimum Opening BalanceInterest RateAnnual Percentage Yield (APY)2Minimum Daily Balance to Earn APY
3 Month $1,000 .25% .25% $1,000
6 Month $1,000 .40% .40% $1,000
9 Month $1,000 .45% .45% $1,000
12 Month $1,000 .45% .45% $1,000
15 Month $1,000 .55% .55% $1,000
18 Month $1,000 .65% .65% $1,000
24 Month $1,000 .80% .80% $1,000
30 Month $1,000 .80% .80% $1,000
36 Month $1,000 .85% .85% $1,000
48 Month $1,000 1.10% 1.10% $1,000
60 Month $1,000 1.34% 1.35% $1,000

 

Individual Retirement Account (Penalty for early withdrawal)
TypeMinimum Opening BalanceInterest RateAnnual Percentage Yield (APY)2Minimum Daily Balance to Earn APY
6 Month $1,000 .40% .40% $1,000
12 Month $1,000 .45% .45% $1,000
24 Month $1,000 .80% .80% $1,000
36 Month $1,000 .85% .85% $1,000
48 Month $1,000 1.10% 1.10% $1,000
60 Month $1,000 1.34% 1.35% $1,000

 

1 Rates are subject to change without notice after account is opened for all accounts except Certifcates of Deposits; including IRA CDs.

2 Services fees may reduce earnings.

3 Annual Percentage Yield (APY) on all balances up to $30,000, in accounts with 10 or more qualified transactions (0.25% APY on balances above $30,000) that also maintain a minimum daily balance of $2,500 or more during the statement cycle; 0.10% APY paid on all balances if transaction requirements are not met.  What transactions qualify?  Any of the following that post to and clear your account during the statement period:  checks; eBill payments; debit card purchases; ATM withdrawals; direct deposits, transfers between accounts that you initiate online, teller transactions and ACH charges from third parties. Transactions may take one or more business days from the date you initiate them to post to your account.  Rates are not guaranteed and are subject to change after the account is opened.  You must meet the minimum requirements each statement cycle to earn the premium interest rate.