INTEREST RATES AND YIELDS EFFECTIVE AND ACCURATE AS OF April 4, 2013
Rates updated on 4/4/2013 at 5:17:48 PM

Select the following deposit account type from the list below to view its interest rate information.

 

Passbook Savings  Minimum Initial Deposit is $50.00. Interest Compounds Quarterly.
Balance From:	Interest Rates	APY
UP TO - $9,999.99	.25%	.25%
$10,000.00 to $24,999.99	.25%	.25%
$25,000.00 to $49,999.99	.25%	.25%
$50,000.00 - AND OVER	.25%	.25%
Variable Rate: The interest rate and annual percentage yield for your account depends upon the applicable tier. The interest rate and annual percentage yield for these tiers may change daily.
APY-  The Annual Percentage Yield assumes interest will remain on deposit until maturity. Withdrawals and Fees will reduce earnings.
METHOD OF CALCULATION: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
EFFECT OF CLOSING AN ACCOUNT: If you close your account before interest is credited, you will receive the accrued interest.

 

NOW Accounts Minimum Initial Deposit is $1,000.00. Interest is compounded monthly.
Balance From:	Interest Rates	APY
UP TO - $2,499.99	.10%	.10%
$2,500.00 - $9,999.99	.11%	.11%
$10,000.00 - AND OVER	.15%	.15%
Variable Rate: The interest rate and annual percentage yield for your account depends upon the applicable tier. The interest rate and annual percentage yield for these tiers may change daily.
APY -  The Annual Percentage Yield assumes interest will remain on deposit until maturity. Withdrawals and Fees will reduce earnings.
METHOD OF CALCULATION: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
EFFECT OF CLOSING AN ACCOUNT: If you close your account before interest is credited, you will receive the accrued interest.

 

 

Premium Money Market Account  Minimum Initial Deposit - $2,500.00. Interest is compounded monthly.
Balance From:	Interest Rates	APY
$0.00 to $4,999.99	..05%	.05%
$5,000.00 to $14,999.99	.10%	.10%
$15,000.00 to $34,999.99	.15%	.15%
$35,000.00 to $49,999.99	.20%	.20%
$50,000.00 to $74,999.99	.25%	.25%
$75,000.00 to $99,999.99	.30%	.30%
$100,000.00 AND OVER	.40%	.40%
Variable Rate: The interest rate and annual percentage yield for your account depends upon the applicable tier. The interest rate and annual percentage yield for these tiers may change daily.
APY -  The Annual Percentage Yield assumes interest will remain on deposit until maturity. Withdrawals and Fees will reduce earnings.
METHOD OF CALCULATION: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
EFFECT OF CLOSING AN ACCOUNT: If you close your account before interest is credited, you will receive the accrued interest.

 

 

*** - The penalty for an early withdrawal from an account 31 days or less, will be the greatest of (1) all interest earned on the amount withdrawn from the most recent date of deposit or last renewal, (2) all interest that could have been earned on the amount withdrawn during a period equal to one-half the maturity period, or (3) seven days' interest on the amount withdrawn.

**** - Citizens will consider a monthly check on CD's of $10,000.00 or more.

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