EFFECTIVE DATE: July 17, 2010 A substantial penalty may be imposed for early withdrawals on Certificates of Deposit (CDs). Withdrawals from an Individual Retirement Account (IRAs) prior to age 59½ may subject the owner to an income tax liability, a federal penalty, and, if applicable, an early withdrawal penalty if the underlying certificate of deposit is paid before maturity. A $500 minimum deposit is required to open a CD or IRA. All deposits are federally insured. Rates do not apply to public or institutional funds. For the 18 Month Variable IRA, the interest rate and annual percentage yield may change monthly after the account is open. The interest rate may be adjusted on the first business day of each calendar month to equal the yield of the two-year U.S. Treasury Bill. The minimum interest rate is 1.00%, the maximum interest rate is 10.00%. Preauthorized transfers from Money Market Accounts are limited to six per month. Certain restrictions may apply. Rates are subject to change. Fees could reduce your earnings on Savings, Checking and Money Market Accounts. *Rates may change after the account is open.Deposit Rates
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Account Types And
TermsInterest Rate Annual Percentage Yield Minimum Balance 6 Month CD 1.00% 1.00% $500 16 Month CD 1.39% 1.40% $500 20 Month CD 1.49% 1.50% $500 6 Month IRA 1.00% 1.00% $500 16 Month IRA 1.39% 1.40% $500 20 Month IRA 1.49% 1.50% $500 Certificates Of Deposit
Account Types And
TermsInterest Rate Annual Percentage Yield Minimum Balance 91 Day 0.50% 0.50% $500 182 Day 1.00% 1.00% $500 12 to 23 Month 1.14% 1.15% $500 24 to 35 Month 1.49% 1.50% $500 36 to 47 Month 1.84% 1.85% $500 48 to 59 Month 1.89% 1.90% $500 60 to 120 Month 1.94% 1.95% $500 Individual Retirement Accounts
Account Types And
TermsInterest Rate Annual Percentage Yield Minimum Balance Premium IRA Savings 0.15% 0.15% $2,500 Premium IRA Savings 0.50% 0.50% $10,000 Premium IRA Savings 0.75% 0.75% $25,000 Premium IRA Savings 1.00% 1.00% $50,000 Premium IRA Savings 1.24% 1.25% $95,000 182 Day 1.00% 1.00% $500 12 Month 1.14% 1.15% $500 18 Month Variable 1.00% 1.00% $500 24 to 35 Month 1.49% 1.50% $500 36 to 47 Month 1.84% 1.85% $500 48 to 59 Month 1.89% 1.90% $500 60 to 120 Month 1.94% 1.95% $500 Checking And Savings
Account Types And
TermsInterest Rate Annual Percentage Yield Minimum Balance SimplyFree Checking $50 SimplyFree Student Checking $50 *SolidGround Checking 0.03% 0.03% $50 *SolidGround Reward Checking 0.03% 0.03% $50 SolidGround Free Business Checking $100 SimplyFree Business Checking $100 *Community Checking 0.03% 0.03% $100 *Simply Savings Account 0.15% 0.15% $50 *KIDS AMERICA Savings Team 0.15% 0.15% $25 *Next Generation Savings 0.15% 0.15% $25 *Christmas Club 0.15% 0.15% $25 *Money Market ($0 - $2,500 balance) 0.15% 0.15% $2,500 *Money Market ($2,500 - $10,000 balance) 0.15% 0.15% $2,500 *Money Market ($10,000 - $25,000 balance) 0.50% 0.50% $10,000 *Money Market ($25,000 - $50,000 balance) 0.75% 0.75% $25,000 *Money Market ($50,000 - $95,000 balance) 1.00% 1.00% $50,000 *Money Market ($95,000 + balance) 1.24% 1.25% $95,000
