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Rates effective as of 10/07/08 thru 10/14/08
Deposit Account Rates and Features
For additional information call (708) 226-2727
Certificates of Deposit
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| Promotional Certificates |
Minimum Balance to Open & Obtain the APY |
Interest Rate* |
Annual Percentage Yield |
|
| 9-Month "Plus" CD |
$250.00 |
3.05% |
3.10% |
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| Additions allowed at any time in any amount at the same interest rate as the initial deposit without extending the maturity date. Withdrawals of principal may be subject to penalty. |
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| 15-Month "Penalty-Free" CD |
$250.00 |
3.34% |
3.40% |
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| One Penalty-Free withdrawal of principal during the initial term. Penalty may be imposed for subsequent early withdrawals. |
| 17-Month "Promo" CD |
$250.00 |
3.54% |
3.60% |
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| Withdrawals of principal may be subject to penalty. |
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| Certificates |
Minimum Balance to Open & Obtain the APY |
Interest Rate* |
Annual Percentage Yield |
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| 3 Month CD |
$1,000.00 |
1.49% |
1.50% |
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| 6 Month CD |
$1,000.00 |
1.74% |
1.75% |
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| 1 Year CD |
$250.00 |
1.98% |
2.00% |
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| 1 Year Variable Rate IRA CD |
$100.00 |
2.04% |
2.06% |
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| 2 Year CD |
$250.00 |
2.23% |
2.25% |
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| 3 Year CD |
$250.00 |
2.47% |
2.50% |
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| 4 Year CD |
$250.00 |
2.71% |
2.75% |
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| 5 Year CD |
$250.00 |
2.96% |
3.00% |
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| Except for the 12-month Variable Rate IRA CD, additions are not allowed during the term. Withdrawals of principal may be subject to penalty. |
| No penalty on withdrawals of principal from 1-year IRA Certificate for persons over age 59 1/2. |
Savings Accounts
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| Account Type |
Minimum Balance to Open & Obtain the APY |
Interest Rate* |
Annual Percentage Yield |
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| Passbook Savings |
$100.00 |
0.75% |
0.75% |
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| Statement Savings |
$100.00 |
0.75% |
0.75% |
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| IRA Savings |
$100.00 |
0.75% |
0.75% |
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| Holiday Savings |
$10.00 |
0.75% |
0.75% |
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| Kid's Cash |
$1.00 |
0.75% |
0.75% |
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| Money Market Account |
$2,000.00 |
0.40% |
0.40% |
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$10,000 .00 |
1.00% |
1.00% |
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$25,000.00 |
1.20% |
1.21% |
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| "Personal Plus" Money Market Account** |
$10,000.00 |
2.23% |
2.25% |
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Checking Accounts
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| Account Type |
Minimum Balance to Open |
Minimum Balance to Obtain the APY |
Interest Rate* |
Annual Percentage Yield |
| Freedom First Checking |
N/A |
N/A |
N/A |
N/A |
| First Choice Checking |
$200.00 |
$200.00 |
0.40% |
0.40% |
| First Generation Checking |
$1.00 |
$1.00 |
0.40% |
0.40% |
| First Serv Checking |
$200.00 |
$200.00 |
0.40% |
0.40% |
| First Small Business Checking with interest |
$500.00 |
$1,000.00 |
0.40% |
0.40% |
| Free Business Checking |
N/A |
N/A |
N/A |
N/A |
| First Commercial Checking |
$1,000.00 |
N/A |
N/A |
N/A |
| First-Select Checking *** |
$1.00 |
$10,000.00 |
1.41% |
1.42% |
| First-Rate Checking **** |
$5,000.00 |
$5,000.00 |
1.41% |
1.42% |
| This Rate Sheet is part of the Agreement and Disclosure of Account Terms. In the event of any inconsistency between this Rate Sheet and the Certificate Agreement and Disclosure of Account Terms, the Rate Sheet shall govern. |
| *For interest earning accounts, except fixed rate CD's, the rate is variable and may change after the account is opened. Fees may reduce the earnings on these accounts. |
| **Balance below $10,000: 1.00% interest rate and APY |
| ***The Annual Percentage Yield (APY) will change monthly, based on the 91-day U.S. Treasury Bill auction rate. If balance falls below $10,000; 0.70% interest and Annual Percentage Yield(APY); if balance falls below $2,500: 0.40% interest rate and Annual Percentage Yield(APY). |
| ****The Annual Percentage Yield (APY) will change monthly, based on the 91-day U.S. Treasury Bill auction rate. If balance falls below $5,000; 0.40% interest and Annual Percentage Yield(APY). |
RATES SUBJECT TO CHANGE WITHOUT NOTICE |
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