Deposit Rates
Effective as of 06/03/10
Checking
| The Edge Investment
| Elite Plus Silver Money Market
Elite Silver Money Market | Premium Money Market | Savings | Time Deposit (CD)
Elite Silver Money Market | Premium Money Market | Savings | Time Deposit (CD)
[Top] Checking Rates
| Type of Account | Interest Rate |
Annual Percentage Yield (APY) |
Balance for APY |
Minimum Opening Deposit |
|---|---|---|---|---|
| NOW | 0.10% | 0.10% | $.01 | $50 |
| Gold | ||||
| Balances $0-$2,499 | 0.10% | 0.10% | $.01 | $50 |
| Balances $2,500+ | 0.25% | 0.25% | $.01 | $50 |
Notes concerning Checking rates:
- Annual Percentage Yield (APY) is variable and may change after the account is opened. Fees may reduce earnings.
[Top] The Edge Investment Rates
| Type of Account | Interest Rate |
Annual Percentage Yield (APY) |
Balance for APY |
Minimum Opening Deposit |
|---|---|---|---|---|
| Balances $0-$24,999 | 0.60% | 0.60% | $.01 | $5,000 |
| Balances $25,000-$49,999 | 0.75% | 0.75% | $.01 | $5,000 |
| Balances $50,000-$74,999 | 0.75% | 0.75% | $.01 | $5,000 |
| Balances $75,000-$99,999 | 0.75% | 0.75% | $.01 | $5,000 |
| Balances $100,000+ | 0.90% | 0.90% | $.01 | $5,000 |
Notes concerning The Edge Investment rates:
- Annual Percentage Yield (APY) is variable and may change after the account is opened. Fees may reduce earnings.
[Top] Elite Plus Silver Money Market Rates
| Type of Account | Interest Rate |
Annual Percentage Yield (APY) |
Balance for APY |
Minimum Opening Deposit |
|---|---|---|---|---|
| Balances $0-$249,999 | 0.50% | 0.50% | $.01 | $100 |
| Balances $250,000-$499,999 | 1.14% | 1.15% | $.01 | $100 |
| Balances $500,000-$999,999 | 1.14% | 1.15% | $.01 | $100 |
| Balances $1,000,000+ | 1.14% | 1.15% | $.01 | $100 |
Notes concerning Elite Plus Silver Money Market rates:
- Annual Percentage Yield (APY) is variable and may change after the account is opened. Fees may reduce earnings.
[Top] Elite Silver Money Market Rates
| Type of Account | Interest Rate |
Annual Percentage Yield (APY) |
Balance for APY |
Minimum Opening Deposit |
|---|---|---|---|---|
| Balances $0-$74,999 | 0.50% | 0.50% | $.01 | $100 |
| Balances $75,000-$99,999 | 0.95% | 0.95% | $.01 | $100 |
| Balances $100,000+ | 1.14% | 1.15% | $.01 | $100 |
Notes concerning Elite Silver Money Market rates:
- Annual Percentage Yield (APY) is variable and may change after the account is opened. Fees may reduce earnings.
[Top] Premium Money Market Rates
| Balance Range | Interest Rate |
Annual Percentage Yield (APY) |
Balance for APY |
Minimum Opening Deposit |
|---|---|---|---|---|
| Balances $0-$49,999 | 0.50% | 0.50% | $.01 | $50,000 |
| Balances $50,000-$74,999 | 0.95% | 0.95% | $.01 | $50,000 |
| Balances $75,000 + | 0.95% | 0.95% | $.01 | $50,000 |
Notes concerning Premium Money Market rates:
- Annual Percentage Yield (APY) is variable and may change after the account is opened. Fees may reduce earnings.
[Top] Savings Rates
| Type of Account | Interest Rate |
Annual Percentage Yield (APY) |
Balance for APY |
Minimum Opening Deposit |
|---|---|---|---|---|
| Passbook/Statement | 0.25% | 0.25% | $.01 | $10 |
| Super Savings | ||||
| Balances $0-$2,499 | 0.35% | 0.35% | $.01 | $10 |
| Balances $2,500 - $24,999 | 0.45% | 0.45% | $.01 | $10 |
| Balances $25,000 - $99,999 | 0.70% | 0.70% | $.01 | $10 |
| Balances $100,000 + | 0.85% | 0.85% | $.01 | $10 |
| Community First Account1 | ||||
| Balances $10-$4,999 | 0.50% | 0.50% | $10 | $10 |
| Balances $5,000 + | 0.90% | 0.90% | $10 | $10 |
Notes concerning Savings rates:
- Annual Percentage Yield (APY) is variable and may change after the account is opened. Fees may reduce earnings.
- 1A $40 minimum automatic transfer per month is required from any FNBI or non-FNBI checking account to this account. Limited to six-preauthorized transfers from the account each statement cycle. If two consecutive attempts of automatic transfer fail, the account will transfer to a statement savings account.
[Top] Time Deposit Rates
| Term | Interest Rate |
Annual Percentage Yield (APY) |
Balance for APY |
Minimum Opening Deposit |
|---|---|---|---|---|
| 3 Month | 0.70% | 0.70% | $.01 | $500 |
| 6 Month | 0.80% | 0.80% | $.01 | $500 |
| 10 Month | 1.00% | 1.00% | $.01 | $500 |
| 11 Month No Penalty* | 0.75% | 0.75% | $.01 | $5,000 |
| 12 Month | 1.05% | 1.06% | $.01 | $500 |
| 18 Month | 1.29% | 1.30% | $.01 | $500 |
| 19 Month Bump Up** | 1.39% | 1.40% | $.01 | $1,000 |
| 24 Month | 1.64% | 1.65% | $.01 | $500 |
| 36 Month | 2.13% | 2.15% | $.01 | $500 |
| 48 Month | 2.47% | 2.50% | $.01 | $500 |
| 60 Month | 2.47% | 2.50% | $.01 | $500 |
Notes concerning Time Deposit rates:
- For information regarding our IRA Time Deposit Products, please speak to a Customer Service Representative at any of our branches, or call our main office at 1-800-834-0046.
- All accounts are subject to early withdrawal penalties.
*An early withdrawal penalty equal to 7 days interest will be imposed if a withdrawal is made within the first 6 days after deposit.
** A one time bump up in rate can be exercised during the original 19 month term and additional funds may be deposited at this time. If bump up is exercised the new maturity date will be 18 months from date of bump up and no additional deposits or bump may occur during the remaining term. Account will automatically renew at maturity to an 18 month CD.
