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Effective date:
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EFFECTIVE DATE February 2, 2012 |
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Interest Rate and Annual Percentage Yield (APY) are effective as of the above date and may change at any time without notice. |
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CD RATES
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Term
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Rate
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APY²
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Minimum Opening Deposit
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30 Day |
0.10%
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0.10%
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$500.00
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90 Day |
0.25%
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0.25%
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$500.00
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6 Month |
0.40%
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0.40%
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$500.00
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1 Year |
0.80%
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0.80%
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$500.00
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18 Month |
0.90%
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0.90%
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$500.00
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2 Year |
1.20%
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1.20%
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$500.00
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3 Year |
1.45%
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1.45%
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$500.00
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4 Year |
1.70%
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1.70%
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$500.00
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5 Year |
1.95%
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1.95%
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$500.00
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6 Year |
2.00%
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2.00%
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$500.00
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7 Year |
2.00%
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2.00%
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$500.00
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8 Year |
2.00%
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2.00%
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$500.00
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INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)
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Term
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Rate
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APY²
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Minimum Opening Deposit
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6 Month |
0.40%
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0.40%
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$500.00
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1 Year |
0.80%
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0.80%
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$500.00
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18 Month |
0.90%
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0.90%
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$500.00
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2 Year |
1.20%
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1.20%
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$500.00
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3 Year |
1.45%
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1.45%
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$500.00
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4 Year |
1.70%
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1.70%
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$500.00
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5 Year |
1.95%
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1.95%
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$500.00
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6 Year |
2.00%
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2.00%
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$500.00
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7 Year |
2.00%
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2.00%
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$500.00
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8 Year |
2.00%
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2.00%
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$500.00
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Education IRA (Coverdale) |
1.00%
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1.00%
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$500.00
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CHECKING ACCOUNTS
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Rate
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APY²
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Minimum Opening Deposit
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Personal Accounts |
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Guaranty Plus Checking |
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$100.00
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Balances less than $1,500
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0.10%
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0.10%
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Balances $1,500 - $99,999
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0.15%
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0.15%
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Balances 100,000 - $999,999
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0.30%
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0.30%
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Balances greater than $1,000,000
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0.50%
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0.50%
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Health Savings Account¹ |
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$100.00
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Balances less than $1,500
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0.10%
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0.10%
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Balances $1,500 - $99,999
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0.15%
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0.15%
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Balances 100,000 - $999,999
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0.30%
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0.30%
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Balances greater than $1,000,000
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0.50%
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0.50%
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Business Accounts |
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Sole Prop./Non-Profit Now¹ |
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$100.00
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Balances less than $1,500
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0.10%
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0.10%
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Balances $1,500 - $99,999
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0.15%
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0.15%
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Balances 100,000 - $999,999
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0.30%
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0.30%
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Balances greater than $1,000,000
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0.50%
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0.50%
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SAVINGS ACCOUNTS
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Rate
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APY²
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Minimum Opening Deposit
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Regular Savings¹ |
0.10%
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0.10%
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$100.00
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Christmas Club Savings¹ |
0.10%
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0.10%
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$5.00
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Business Savings¹ |
0.10%
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0.10%
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$100.00
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Public Fund Savings¹ |
0.05%
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0.05%
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$100.00
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MONEY MARKET ACCOUNTS
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Rate
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APY²
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Minimum Opening Deposit
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Premium Money Market¹ |
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$1,500.00
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(Personal or Business) |
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Balances less than $1,500
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0.00%
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0.00%
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Balances $1,500 - $99,999
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0.20%
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0.20%
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Balances 100,000 - $999,999
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0.40%
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0.40%
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Balances greater than $1,000,000
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0.70%
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0.70%
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¹ The interest rate and APY may change after account opening. Daily Balance is the amount of principal in the account each day. ² The APY assumes that principal and interest are compounded for a period of one (1) year. Also, a penalty may be imposed for early withdrawal. Fees may reduce earnings. |
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Current Real Estate Mortgage Rates
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Effective date:February 3, 2012 |
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Term
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Rate
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APR*
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Monthly Payment
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15yr (0 pts) |
4.125%
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4.28%
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$1,193.55
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15yr (1 pt) |
3.625%
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3.92%
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$1,153.66
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30yr (0 pts) |
4.375%
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4.46%
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$798.86
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30yr (1 pt) |
4.125%
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4.29%
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$775.44
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* Assumptions: Based on purchase price of $200,000, loan amount of $160,000 and a credit score of 740 or higher. |
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**WSJP is Wall Street Journal Prime**
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