Online Banking

Deposit Rates

  • Accurate as of August 1, 2014

     

  • Rates Subject to Change

     

 

Interest Rate

APY**

Certificate of Deposit Yield

   

91 Day Certificate
$1,000.00 min. balance

.10

.10

182 Day Certificate
$1,000.00 min. balance

.15

.15

One Year Certificate
$1,000.00 min. balance (COMP QUAR)

.50

.50

 

Two Year Certificate
$1000.00 min. balance (COMP QUAR)

.75

.75

Three Year Certificate
$1000.00 min. balance (COMP QUAR)

1.00

1.00

Five Year Certificate
$1000.00 min. balance (COMP QUAR)

1.44

1.45

 

Interest Rate

APY**

Clippermate Money Market Account*
Minimum to Open $2,500

   

Daily Balance $2,499.99 or less

.05

.05

Daily Balance between $2,500.00 and $24,999.99

.05

.05

Daily Balance between $25,000.00 and $99,999.99

.20

.20

Daily Balance of $100,000.00 or more

.45

.45

Statement Savings               .35         .35
 

Interest Rate

APY**

Super Now Accounts*
Minimum balance to open $2,500

   

0-$999 Minimum Daily Balance
$5.00 service charge (Service charge could reduce your earnings)

.01

.01

$1,000-2,499 Daily Balance
No service charge

.01

.01

$2,500 & up Daily Balance
No service charge

.01

.01

 

Interest Rate

APY**

I.R.A. Accounts

   

2 Year Variable I.R.A.*
Open-end $100.00 min. balance (GOLDEN SAVINGS)

.50

.50

1 Year I.R.A. Certificate
$1,000.00 min. balance

.50

.50

2 Year I.R.A. Certificate
$1000.00 min. balance

.75

.75

3 Year I.R.A. Certificate
$1000.00 min balance

1.00

1.00

5 Year I.R.A. Certificate
$1,000.00 min. balance

1.44

1.45

**Annual Percentage Yield

THE MINIMUMS STATED ABOVE ARE ALL MINIMUMS TO OPEN THE ACCOUNT AND ALSO THE MINIMUM BALANCES REQUIRED TO OBTAIN THE STATED ANNUAL PERCENTAGE YIELD.
*THE RATE FOR THESE ACCOUNTS MAY CHANGE AFTER THE ACCOUNT IS OPENED.
*FEES MAY REDUCE EARNINGS.

EARLY WITHDRAWAL PENALTIES FOR CDs AND IRAs

182-Day or Less Certificate of Deposit
The fee we impose on certificates with a term of 3 months will equal 3 months interest on the amount withdrawn. The fee we impose on certificates with a term of 6 months will equal 6 months interest on the amount withdrawn. In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases, requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.

1 Year Certificate of Deposit
The fee we impose on certificates with a term of 12 months will equal 6 months interest on the amount withdrawn. In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases, requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.

Certificates of Deposit of More than 1 Year
The fee we impose on certificates with a term of 13 to 60 months will equal 12 months interest on the amount withdrawn. In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases, requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.
 
 

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