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NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS
By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category. For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit http://www.fdic.gov/ deposit/deposits/ unlimited/expiration.html |
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Rates > Certificates of Deposit
The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings on the account. Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal.
Interest rates and annual percentage yields are current as of February 15, 2013.
| Product | Interest rate | APY * |
| Misc. Simple Int CD | ||
All Balances |
0.01% | 0.01% |
| Misc. Daily Compound CD | ||
All Balances |
0.01% | 0.01% |
| 31 Day Simple Interest CD | ||
Daily Balances of: |
||
up to $9,999.99 |
.05% | .05% |
$10,000.00 and up |
.05% | .05% |
| 91 Day Simple Interest CD | ||
Daily Balances of: |
||
up to $9,999.99 |
.05% | .05% |
$10,000.00 and up |
.15% | .15% |
| 6 Month Simple Interest CD | ||
Daily Balances of: |
||
up to $9,999.99 |
.15% | .15% |
$10,000.00 - and up |
.25% | .25% |
| 9 Month Simple Interest CD | ||
| Daily Balances of: | ||
| up to $9,999.99 | ||
| $10,000.00 - and up | ||
| 12 Month Simple Interest CD | ||
Daily Balances of: |
||
up to $9,999.99 |
.30% | .30% |
$10,000.00 - and up |
.40% | .40% |
| 18 Month Daily Compound CD | ||
Daily Balances of: |
||
up to $9,999.99 |
0.40% | 0.40% |
$10,000.00 - and up |
0.50% | 0.50% |
| 24 Month Daily Compound CD | ||
Daily Balances of: |
||
up to $9,999.99 |
.50% | .50% |
$10,000.00 - and up |
.60% | .60% |
| 30 Month Daily Compound CD | ||
Daily Balances of: |
||
up to $9,999.99 |
.55% | .55% |
$10,000.00 - and up |
.65% | .65% |
| 36 Month Daily Compound CD | ||
Daily Balances of: |
||
up to $9,999.99 |
.65% | .65% |
$10,000.00 - 39,999.99 |
.75% | .75% |
| 48 Month Daily Compound CD | ||
Daily Balances of: |
||
up to $9,999.99 |
0.80% | 0.80% |
$10,000.00 - and up |
0.90% | 0.90% |
| 60 Month Daily Compound CD | ||
Daily Balances of: |
||
up to $9,999.99 |
0.90% | 0.090% |
$10,000.00 and up |
1.00% | 1.00% |
| Second Chance 30 Month CD | ||
| .55% | .55% | |
| The minimum balance required to obtain APY is $10,000.00 | ||
| Add-On CD's | ||
| 6 Month Add-On CD | ||
Daily Balances of: |
||
up to $5,000.00 |
.15% | .15% |
| Additional deposits in $100.00 increments allowed with a maximum total contribution of $5,000.00. | ||
| 12 Month Add-On CD | ||
Daily Balances of: |
||
up to $1,000.00 |
.30% | .30% |
| Additional deposits of $100.00 minimum allowed with a maximum total contribution of 1,000.00. | ||
| A penalty may be imposed for early withdrawal. | ||
| Fees could reduce the earnings on the account. | ||
| * Annual Percentage Yield | ||
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