YOUR DEPOSIT RATES
Effective August 1, 2008
TREASURY PASSBOOK ACCOUNTS
Balance Required to Earn APY
$10,000 to $49,999 $50,000 to $99,999 $100,000 to $249,999 $250,000 and Over
Interest Rate
0.30% 0.75% 1.24% 1.49%
APY
0.30% 0.75% 1.25% 1.50%
Minimum Opening Balance: $10,000. Balances below that receive posted rate on Money Market Account.
MONEY MARKET ACCOUNTS
Balance Required to Earn APY
$2,500 to $24,999 $25,000 to $49,999 $50,000 to $99,999 $100,000 to $249,999 $250,000 and Over
Interest Rate
0.30% 0.50% 0.75% 1.24% 1.49%
APY
0.30% 0.50% 0.75% 1.25% 1.50%
Minimum Opening Balance: $2,500.
INTEREST BEARING CHECKING & SAVINGS ACCOUNTS
Account Type
Military Checking Bonus Checking Lifestyle Checking Student Checking Plastic Checking Just Checking Active 50 Checking Active 50+ Checking Club Accounts Regular Savings Junior Saver’s Club
Minimum Opening Balance
$100 $100 $100 $100 $100 $100 $100 $100 $20 $100 $25
Compounding
Monthly Monthly Monthly Monthly Monthly Monthly Monthly Monthly Annually Quarterly Quarterly
Balance Required to Earn APY
$2,500 $2,500 $2,500 $1,500 $1,500 $1,500 $1,000 N/A $20 N/A N/A
Interest Rate
0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.20% 0.20% 1.24%
APY
0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.20% 0.20% 1.25%
Annual Percentage Yields (APY): The annual percentage yield assumes monthly compounding, except as stated above, of interest and funds remaining on deposit for one (1) full year. Fees and withdrawals could reduce the earnings on the account. Interest rates and annual percentage yields may change daily at the Bank’s discretion.
At this time we cannot open accounts online. Please visit any of our offices or contact us at (209) 725‐7300, or toll free at (800) 540‐2265 for more information. Rates Subject to Change
YOUR DEPOSIT RATES
CERTIFICATE OF DEPOSIT ACCOUNTS
Account Type
1 Month CD 3 Month CD 6 Month CD 1 Year CD 13 Month Step Up CD Promo 15 Month Flex 18 Month Step Up 2 Year CD 3 Year CD 4 Year CD 5 Year CD 6 Month IRA 1 Year IRA 13 Month Step Up IRA Promo 2 Year IRA 3 Year IRA 4 Year IRA 5 Year IRA
Balances
$1,000 to $99,999 $1,000 to $99,999 $1,000 to $99,999 $1,000 to $99,999 $1,000 to $95,000 $1,000 to $99,999 $1,000 to $99,999 $1,000 to $99,999 $1,000 to $99,999 $1,000 to $99,999 $1,000 to $99,999 $1,000 to $99,999 $1,000 to $99,999 $1,000 to $95,000 $1,000 to $99,999 $1,000 to $99,999 $1,000 to $99,999 $1,000 to $99,999
Rate
0.50% 1.98% 2.47% 2.72% 3.20% 2.47% 2.47% 2.47% 2.96% 3.20% 3.45% 2.47% 2.72% 3.20% 2.47% 2.96% 3.20% 3.45%
APY
0.50% 2.00% 2.50% 2.75% 3.25% 2.50% 2.50% 2.50% 3.00% 3.25% 3.50% 2.50% 2.75% 3.25% 2.50% 3.00% 3.25% 3.50%
Balances
$100,000 and Over $100,000 and Over $100,000 and Over $100,000 and Over Over $95,000 $100,000 and Over $100,000 and Over $100,000 and Over $100,000 and Over $100,000 and Over $100,000 and Over $100,000 and Over $100,000 and Over Over $95,000 $100,000 and Over $100,000 and Over $100,000 and Over $100,000 and Over
Interest Rate
0.55% 2.03% 2.57% 2.47% N/A 2.57% 2.57% 2.57% 3.01% 3.25% 3.49% 2.57% 2.47% N/A 2.57% 3.01% 3.25% 3.49%
APY
0.55% 2.05% 2.60% 2.50% N/A 2.60% 2.60% 2.60% 3.05% 3.30% 3.55% 2.60% 2.50% N/A 2.60% 3.05% 3.30% 3.55%
Minimum Opening Deposit: $1,000. Rates are not applicable on public funds.
HEALTH SAVINGS ACCOUNTS (HSA)
Checking
Balance Required to Earn APY
$0 to $499 $500 to $999 $1,000 to $4,999 $5,000 to $9,999 $10,000 to $14,999 $15,000 and Over
Interest Rate
0.05% 0.05% 0.05% 1.00% 1.00% 1.00%
APY
0.05% 0.05% 0.05% 1.00% 1.00% 1.00%
Money Market
Balance Required to Earn APY
$0 to $9,999 $10,000 to $19,999 $20,000 and Over
Interest Rate
1.00% 1.00% 1.00%
APY
1.00% 1.00% 1.00%
Annual Percentage Yield (APY): Interest is compounded monthly. The annual percentage yield assumes monthly compounding and the funds remain on deposit for one (1) full year. There may be an early withdrawal penalty assessed. This penalty and other fees may reduce the APY. Holders of automatically renewable certificates of deposits will receive a notice prior to the end of the grace period informing them of the APY on a renewing certificate of deposit.
Money Market Promotion
Balance Required to Earn APY
$0 to $9,999 $10,000 to $24,999 $25,000 to $49,999 $50,000 to $99,999 $100,000 to $249,999 $250,000 and Over
Interest Rate
2.33% 2.57% 3.06% 3.30% 2.33% 2.33%
APY
2.35% 2.60% 3.10% 3.35% 2.35% 2.35%
At this time we cannot open accounts online. Please visit any of our offices or contact us at (209) 725‐7300, or toll free at (800) 540‐2265 for more information. Rates Subject to Change