|
Personal
Deposit Products: ACCOUNT RATES
Rates as of: November 1, 2008
Savings
and Checking Account Interest Rates
|
Account
Type
|
Minimum Deposit to Open Account
|
Minimum Balance* to Obtain Annual Percentage
Yield (APY)
|
APY |
Interest
Rate
|
|
Regular
or Statement Savings
|
|
|
|
|
|
90-day
Golden Passbook
|
|
|
$0.00
|
to
|
$999.99
|
|
$1,000.00
|
&
|
over
|
|
|
|
|
Christmas
Club
|
|
|
|
|
|
SBC Choice
|
|
|
$0.00
|
to
|
$499.99
|
|
$500.00
|
to
|
$999.99
|
|
$1,000.00
|
to
|
$2,499.99
|
|
$2,500.00
|
&
|
over
|
|
|
0.00**
|
|
0.25**
|
|
0.30**
|
|
0.40**
|
|
|
|
Personal
Money Market
|
|
|
$0.00
|
to
|
$9,999.99
|
|
$10,000.00
|
to
|
$24,999.99
|
|
$25,000.00
|
to
|
$99,999.99
|
|
$100,000.00
|
to
|
$249,999.99
|
|
$250,000.00
|
&
|
over
|
|
|
0.50**
|
|
1.75**
|
|
2.00**
|
|
2.00**
|
|
2.25**
|
|
|
|
Health Savings Account (HSA)
|
|
|
$0.00
|
to
|
$2,499.99 |
|
$2,500.00
|
to
|
$7,499.99
|
|
$7,500.00
|
to
|
$9,999.99
|
|
$10,000.00
|
to
|
$24,999.99
|
|
$25,000.00 |
to |
$49,999.99 |
|
$50,000.00
|
&
|
over
|
|
|
2.15**
|
|
2.80**
|
|
2.85**
|
|
4.11**
|
|
5.00**
|
|
5.25**
|
|
|
2.13 |
|
2.76
|
|
2.81
|
|
4.03
|
|
4.89
|
|
5.13
|
|
Certificate
of Deposit Interest Rates
|
Account
Type
|
Minimum Balance to Open and Obtain APY
|
APY
|
Interest
Rate
|
|
30-day
|
$1,000.00
|
1.50
|
1.49
|
|
60-day
|
$1,000.00
|
1.75
|
1.73
|
|
90-day
|
$1,000.00
|
1.99
|
1.98 |
|
182-day
|
$1,000.00
|
2.00 |
1.99 |
|
1-year
|
$1,000.00
|
2.50 |
2.48 |
|
2-year
|
$1,000.00
|
3.00
|
2.98
|
|
3-year
|
$1,000.00
|
3.10
|
3.08
|
|
4-year
|
$1,000.00
|
3.20
|
3.17
|
|
5-year
|
$1,000.00
|
3.30
|
3.27
|
Individual
Retirement Account Interest Rates
|
Account
Type
|
Minimum Balance* to Open and Obtain APY
|
APY
|
Interest Rate
|
|
1-yr
Variable Rate
|
Any Amount
|
1.64**
|
1.63
|
|
182-day
|
$1,000.00
|
2.00
|
1.99 |
|
1-year
|
$1,000.00
|
2.50 |
2.48 |
|
2-year
|
$1,000.00
|
3.00
|
2.98
|
|
3-year
|
$1,000.00
|
3.10
|
3.08
|
|
4-year
|
$1,000.00
|
3.20
|
3.17
|
|
5-year
|
$1,000.00
|
3.30
|
3.27
|
*Daily Balance
(The amount of principal in the account each day)
**Your interest
rate and annual percentage yield may change after the account is opened.
- Fees could reduce the
earnings on an account.
- A penalty may be imposed for early withdrawal of time deposit
accounts.
- Ask
us for further information
about these accounts.
Note:
All rates subject to change without notice.
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